I went into Trader Joes today to buy food for a lunch barbecue we're having with friends tomorrow. I went in with the intension of only spending $50 and only grabbed a hand basket so as not to spend too much. I went over by $25. I spent $75 total. At that I still forgot to get Avocados and lemons. I did tell my friend to bring avocados which will cost me nothing!
Archive for June, 2007
Today I was hungry. I passed La Salsa...craved their shrimp burrito and passed it up. 1 because I promise to cut fast food out of my life for dietary reasons and 2 because I made a pledge to save $20 a week and I know fast food is a money drain. Instead of spending I came home and ate a low fat left over Top Ramen instead of letting it go bad. I saved about 300 calories and about $8.00!
After I talked myself down from a Party City 4th of July spending spree, I found myself in CVS pharmacy picking up some photos I had dropped off the day before. My daughter was with me and begged me for a $7 Hula Hoop. Instead of saying no, I bought it, plus I bought one for me! Ridiculous. So a $13 photo trip turned into a $29.00 waste of money. I am really not allowed to go to party city now--only $30 in the save pot now
I realized today that I hadn't gone to party City today to get any goodies for the 4th of July festivities on our block. I always say to myself each holiday, I'm just going to spend $10. Somehow I never seem to get out of that store for less than $60. So I promised to not go anywhere near that store this week. If I am sucessful, I will put the $60 I would have spent in my monthly savings account.
Currently our saving is at $30,000...this is mostly stocks.
In the past I have cashed in the stocks to pay off credit card debt, but the money never seems to get paid back and the credit card debt returns very quickly.
I need a good plan for saving each day or each week.
I think I should start by putting extra money each morning I get from my husband's pants pockets before I wash them and squirrel that away.
Our first goal is to Get Out Of Debt ($75,000 )by July 2008 ($28,000 CC; $30,000 loan; $15,000 loan). Our second goal is to Replenish Our Savings back to $250,000 ($60,000 stock; $150,000 DwnPyt $40,000 extra)
My husband nor I are gamblers. He had to go to Hollywood Park today for a story he is researching (he is a writer). As a result he took $200 out of our account and won $400! Much of that went to paying the house cleaner