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Thoughts: My Financial Issues

Saturday, February 25, 2017

I've been listening to the Steps from 180Xchange at my church. (They have them online and is similar to a 12 step program like AA, but not limited to one addiction). My shopping issues may go back to my mom. My mom is an enabler. Every time I turn around, she's saying "let's go shopping" at places like Menards, Ollie's, or Walmart. At places like Ollie's I'm learning NOT to buy, but books there are my achilles heel, because they are so deeply discounted (hence the cookbooks I need to figure out where to put). In other words, I have no business being in that building right now. And my mom needs to know that. Menards? My house always needs sprucing up. Walmart? There's always something at Walmart. Although, I've gotten to the point where I only go in with my lists and stick to them. No deviating, and staying away from trigger aisles. In other words, in order to get away from this cycle, I need to tell mom "no" when she asks me to go shopping. She needs to save money anyway.

I've completed the removal of all ads and emails that are triggers, because online shopping was my killer issue. I'm glad I had that negative issue with online shopping that killed my desire to do it. Plus, I think the decluttering is helping, too. It is helping me to realize what I really know what I already have and what I don't need. Yes, I needed new clothes to wear to work after gaining too much weight in November and December. And yes, I bought too much. And I returned a lot (something a lot of people didn't realize). I tried returning the items purchased online, but that was the horrid experience I had with online shopping and tried selling the clothes (8 outfits total), but no one on the garage sale sites would even touch. All of the other stuff was "junk". Stuff that really can't be returned or sold.

One thing I'm thinking of doing is "icing" my debit card, requiring me to go into the branch to get out my weekly allowance (or bi-weekly). If I need a larger purchase, I'll have time to think about if I really need it as it thaws out. Or, give it to my mom, and I have to discuss it with her before make that kind of purchase. Just some thoughts on the subject that I thought I'd share with you. My cash envelops each have an accounting sheet in them to keep track of my spending. That way I know where my money is going. I'm going to *try* to not buy any clothing or shoes until I get to summer. I say that because I don't know what size I'll be and if I'll have summer outfits for that size of not. But I'll be frugal, and I'll have a "Clothing" envelop that will probably have enough money to manage that type of purchase at that time. It's time for me to get serious, and not piddle around about it. I'm going to make more freezer meals this week that should last me for at least two weeks this weekend (hopefully I won't ruin them like I did this week's). I just want to be healthy, fit, happy, content, and financially-wise.

Oh, and as for the $93 Dave Ramsey's Financial Peace University class that I thought was overpriced, a friend has the DVD's and workbooks. She's going to lend them to me, so I don't have to pay the $93 for the course after all. I've read (and done) the Total Money Makeover. I've even had the $1000 emergency fund, snowballed my credit cards, and all. That's how I bought my house. I didn't have any credit cards until about 4 months after buying the house. And it wasn't an over night thing. It was slow. It was gradual. Then I changed jobs and had to pay $1500 for Abilify . Then 2 months later, I tried to kill myself. Then two months later I filed for chapter 13. Then I had the year from hell. I've been diligent before, I can be diligent again. I know I can, I know I can!

Every adversity needs you to shake it off and take a step up until you are able to step out of it
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Member Comments About This Blog Post
    You know you always have my support dear Brenda...take it one day at a time and tell your mom you need her support to become financially prudent. emoticon
    1087 days ago
    It will be tough but you can do it!
    1087 days ago
    You're doing great, keep it up! emoticon
    1089 days ago
  • JAJABEE1717
    Why not try the trick of having to get rid of two things for every new one you bring in to your place? This may help you to really think about how much you really want/need a new purchase. And it helps with the clutter, too. You sound like you're on a good path -- keep going.
    emoticon emoticon emoticon
    1089 days ago
    You've made a great start, and you know you can be frugal, and you've seen the great results when you are.
    Check out books from the library--most any book/dvd/audio book is available even if you need to interlibrary loan title, find a friend who will lend his/her books, shop at resale shops/goodwill/charity shops (some even have books). There are ways to work this and stay current.
    1089 days ago
    My philosophy is that I use credit cards only for convenience. I charge only what I KNOW I can pay off next month. I NEVER pay interest, and with auto payments from my bank, I'm never late, so I have an over-the-top credit rating. Try it; you'll like it.
    1089 days ago

    Comment edited on: 2/25/2017 12:17:35 PM
    From the very lowest to a laudable high. Keep up the responsible lifestyle.
    1090 days ago
    emoticon emoticon
    1090 days ago
    Good for you for addressing your spending. My sister gave me good advise way back when. If you don't go into the store (or on the website) you can't spend the money.
    1090 days ago
    You got this!
    1090 days ago
    You can do it! Keep trying.
    1090 days ago
  • PUDDLE13
    You can do it! We found that when we hit financial troubles a spreadsheet for the bills and taking out cash and paying for everything that way helped because we could see what we were spending. I knew exactly what we had to spend each week. I also looked at all the household bills - changed the broadband/tv provider, shopped around for electricity and gas. I threatened to leave our new broadband/tv provider a year later and they dropped the price quite a bit. I also made my partner at the time stop buying junk from car boot sales by asking him what his use for whatever he had found was and where he was going to put it. If he couldn't answer both questions we didn't buy it. Find what works for you. I'm sure you'll get there! Small steps lead to better days :)

    (p.s - I love a good cook book too but have taken to googling the ingredients to find free recipes so I get to try new things without the cook book)

    1090 days ago

    Comment edited on: 2/25/2017 4:07:07 AM
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