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Spending and Saving

December 28th, 2007 at 03:17 pm

I went back to Target to return a shower curtain and spent 47.14, of course part of it was buying another shower curtain (which will be returned AGAIN because it just doesn't go with the bathroom) and then of course we went to Subway and that was 10.66.... While what I got at Target was nescessary, going to Subway wasn't. When I was spending the money I kept telling myself it was okay because tomorrow is pay day... Now I know it wasn't just okay. I've been working overtime, about 21 hours, just so I could catch up with the time I have off from xmas and new year's (I only get paid for the time I am at work) So today's check is cushioned but the next pay will only be about $800 which will suck. So I need to reign in my extracurricular spending, whic will be hard since I'm going to DC tomorrow, so I will stay a float for the first two weeks of January. I've been saving by not eating out but that money saved shouldnt just be spent pointlessly, I could have made a sandwich at home at a tenth of the cost.

I also immediately transferred $200 into my savings account this morning, I'm trying to pay myself first. This is my second attempt at paying myself first, this time I did 18% of my pay check. I also opened a Roth IRA with $200.

4 Responses to “Spending and Saving”

  1. merch Says:

    Don't be too hard on yourself. Your doing great. You recognized and issue and are correcting it.

    We all fall off the horse, sometimes.

  2. Englishteacher Says:

    Congrats on opening the Roth IRA. That's a big step. Best wishes!

  3. Ima saver Says:

    Good news about the roth!! good for you!!

  4. luxliving Says:

    You are getting there. BIG part of the solution is recognizing the problem!!

    Congrats on the savings & Roth. Put yourself at the front of the pay line.

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