Oy with the Poodles Already.

Want to know what stresses me out? Yeah, money does. I’m not really good at it. In the future, I will be looking for a potential husband who is just REALLY great at it. Give me a budget. Don’t leave me in control of our savings cause we’ll be poor.

I read somewhere that it’s “normal” to spend too much after a break-up. But I should win a prize for the spending that has occurred in the past 5 months.

I’ve become indulgent. I did not like having to deny myself and opportunity to do anything or be with anyone. So I spent more money on dinners and travel and ANYTHING. I had also been horrendously indulgent on things for myself… new things for my apartment, new make-up to make myself feel better, etc. And when I couldn’t afford it, I charged it. Typical right? I know I am not the only person in the world do have done this, but it sucked. A lot.

But I was able to handle it ignore it because I had way more limit on my credit cards than I knew what to do with. And then a funny thing happened… I got “upgraded” on my GAP card and in the process of reissuing a prettier version of my card they decided to decrease my credit limits. So, over night I became “maxed” out. That was not fun. Not fun at all. I’ve been a stress case. Which means that my cuticle beds are a MESS and I hate that feeling.

And then I went to get my oil changed. And I went to a place that is, apparently, notorious for overcharging. It’s the kind of place that you stay in your car and a REALLY nice man comes and shows you your filter and automatic fluid and whetever and recommends replacement or not. I said yes. I said yes to the tune of $176. Now, I had enough for a “normal” oil change, but I didn’t have $176. And I didn’t have my credit cards to fall back on…. so I had to hand him my debit card KNOWING it was going to overdraft my account. If that’s not the worst feeling ever.

Anyhow. Today is a new day. Lessons have been learned. And I feel awful that I had to learn them because my Grams has worked REALLY hard to keep me from these types of lessons. Sigh. Today I am reclaiming control over my financial situation. And I am writing it here to keep myself accountable. Sounds good? Okay. Here we go:

  1. First step has been to create a legit budget. I hadn’t done this cause I’m an idiot. So that is done. Everything is in place, including “debt repayment”.
  2. Credit Cards are officially cut up. No mas. I kept one, that I will be leaving at home and will use in emergencies… once the balance is paid off.

  1. I have cut and reduced. I dropped my class (to get the refund and some more time to just be at home relaxed). I called my cell phone company and got my bill reduced by $20/month. I reduced my gym membership from the fancy one to the normal one (because a treadmill is a treadmill?) saving $30/month. I have a budget for eating out (which isn’t much) and food that is completely reasonable.
  2. I will be keeping track of all the money I spend.
  3. I will be telling my friends “no”. That I can’t afford to do X, how about we do Y instead. “Y” being a cheaper/free alternative.
  4. Spending halt. No new things ever. If I need something I can find it used. Or on sale. In other words: All non-essentials will be cut, all essentials bought only at a discount.
  5. I am “thinking” of trying to get some babysitting gigs. There are so many women in the junior league and babysitting is fun and a good way to get my baby fix while earning “fun money”.
  6. Next year, roommate. I pay SO much each month in rent. It’s too much. So I will find some very lucky person who gets to hang out with me, Oliver, and Lucy… and split rent, televisions, electrics, etc. We’ll be the bestest of friends.

I feel better. More in control. Definitely humbled. Definitely going to learn this personal finance thing.