Wednesday, October 14, 2009

Saving Money

Going to make a serious attempt at this. I'm not losing money or in debt or anything drastic like that; it's just that whenever I check my balance, it's always the same... despite biweekly additions of over 1k. I would say, "I don't get it," but I know why that is. Having a steady influx of money is really a heady thing, and you can go shopping when you feel like it without having to just look, buy lunch instead of bring it when you want, etc.
But now that I've 1) noticed my flatlining bank account, 2) realized that I may have to finish school sans job and 3) have added responsibilities for the apartment like monthly electrical bills (instead of balancing it out at the end of the year like before), I think I should pay some attention to what I spend. That's the thing: I usually just chuck the receipts because (guilty look) I don't like seeing how much money I've just spent. Time to face the music.

Things on the forbidden list:
Unnecessary clothes: one of the greater evils I face...
Books that aren't school-related: probably the second-greatest evil...
Bought-out lunch: not too bad recently, although I have to learn that my eyes are bigger than my stomach
Starbucks for class - go to Oren's instead (very acceptable-tasting medium coffee for $2!): not usually a problem, but Starbucks is so expensive that it's worth putting on here
Random things that are on sale that I don't need: Adam's all-time favorite that I fall prey to sometimes.

Going to pay more attention to:
Groceries: going to not waste food when I already have it. If that means getting up earlier to make eggs for breakfast instead of cereal, so be it.
Electricity: turn off those lights! And plug all the tv stuff into a single power strip that can be turned off when not on.

Excluded (from the forbidden list) things:
Necessary outerwear: this includes winter coat to replace 3-year-old one whose pockets have been sewn back on twice already.
Going out once in a while money: we don't usually go many places, and it's worth it when we do.
Cheap restaurants on weekends: huge bowls of pho for $5 do not count. This could have easily been one thing at the grocery store (DAMN markets in Manhattan are expensive!).

Obviously you can tell I'm not going on lockdown or anything. I hate penny pushing; I think it ruins your day when you could indulge in something small and be happy for a while but don't do it because you hate spending an extra $2.99. However, I do realize that 5 things of $2.99 is already $15 and will keep an eye on it.

Maybe Confessions-of-a-Shopaholic style? Keep all the receipts and write down how much I spent that day? I think that'll be a pretty good deterrent, especially since I don't like looking at the receipts at all.
Today: $0 so far... going for the gold!

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