- Joined
- May 12, 2012
- Messages
- 398
- Reaction score
- 34
I don't really budget any specific amounts to things like food, beauty, clothes, etc.. What I do is I keep a balance sheet on the refrigerator which has the amounts and interest rates for all of my debts: car, student loan, credit card, and my current checking account balance. What I want to see is each of the balances going down (except the checking balance). Its worked well, In the last year, I've paid down my student loan from 14,000 to 6,000, and I can now see an end in sight. My car too, 1 more year of payments and I'll be done with that. But my credit card balance bumps around, sometimes up, sometimes down, all directly related to how much I'm indulging. I'd really like to be debt free over the course of the next year (except my house) and to do that, I've gotta start limiting myself. First of all, I don't NEED anything, but need and want are 2 different things. I tell myself all the time that its OK not to have everything that catches my eye. I have very poor impulse control and often think, well as long as all the bills are paid, why not treat myself to this or that..but I'm sure if I looked at how much I've spent on cosmetics in the past year, I'd be shocked. Anyhow, I just wanted to throw in my thoughts..I bought some blushes and 1 lip surgence from Tarte friend and family sale going on=$60 and another lipsurgence I saw on ebay=$15, 2 vapour foundation sticks and a wrinkle serum from truthinagaing.com $170=$245. So I'm officially done for this month, boy I should try to go 2 months really.. But let me do 1 month first. Yes, I can do it!