I received "Money Secrets of the Amish" in the mail the other day and have read all but three chapters. The book has proved to be very interesting and much like the other book *my husband bought* recently, very encouraging. Reading through it has even further opened my eyes to how really very frugal I have become. I'm growing increasingly more and more proud of this title.
One very interesting fact surrounding this book: it was recommended to me by one of my very favorite fellow bloggers who happens to reside within the beautiful British aisles, almost 4000 miles from my hometown. The author of this book she recommended happens to reside not even 40 miles from my hometown. One of those "it's a small world" moments?
Not only has this book brought to light how very poorly I practice delayed gratification but it's helped remind me that many of my financial weak points are still the exact same weak points I started this journey with. Here goes, I always pay the credit cards on time because credit cards are scary and they will not only throw down bigger than average late fees but you also run the risk of them raising interest rates. Now, I DO NOT need interest rates going up on these darn cards. I am not good however at paying all the other bills on time. A $6 fee on the electric or a $8 fee on cable here and there, I can handle that (and I always pay before shut off/ we've never had a service disconnected). But in reality we're just throwing cash in the trash. I really do play the money juggle game weekly particularly due to another family member but I'm going to try considerably harder to work on that issue as well (without nagging; I have ideas).
This month, with the remaining ten days I would really like to pay the rest of the bills on time (and all bills there after). I would like to end the month in the black and I can do it. A part from the fact that I've become a very frugal gal this blog has also taught me that when I set my mind to something (and I really truly have to set my mind to it; just writing it on a piece of paper, typing it out, and hoping it happens is not the same thing) I will accomplish said something! One of the Money Secrets of the Amish is to always pay bills on time. That's darn good advice that I have not been following.
The other motivating factor for spending $10 a day for the next 10 days is my daily spending average. It's been consistently sticking around $18 a day (a few pennies over in fact). I've quite officially found out what my spending average is. It's $18 a day. I really want to end the year under that number, even if that's a measly penny under, $17.99 a day, I want to end under. But averaging $10 a day for the next 10 days will get me to $17.65 a day and if I can stick closer to that then I'll be a little bit happier with where we're at financially this year.
This is not going to be an easy challenge. I will have to really set my mind to it. Planning is essential but I have a goal: paying all the bills on time. And I have the determination. Plus challenges are good especially for someone who lacks the will power to execute delayed gratification. Teaching an old dog new tricks (almost daily now)! Here goes!
Spending rundown today: $0 NO SPEND day 71 for the year.
My budget for the month is
Average daily spending for 2015: $17.95