Ok, so to sum it up... I was a JACKASS with my finances this month, and I'm paying for it now by seeing the huge dent I put in my accounts. If I had a nice awesome guitar or bass to show for this, I wouldn't be so pissed off at myself but I don't. Getting new instruments will ABSOLUTELY go on hold for awhile now. Luckily the guitar I have is not a bad guitar by any means and it will do until I practice more and improve.
I won't bother listing all the things that added up to a lot of money spent. Either way, some of it was worth it, some of it was not. Also one particular thing was inevitable (new tires). Anything car-related can happen any time. It's the harsh reality of driving.
Another thing to take into account is if I ever need to take Indie to the vet. I will never use financial selfishness as an excuse to not give my cat medical attention he may need from time to time.That is why I always aim to have a lot of money in savings. I need to build my savings back up to $x and make sure at the start of every month my checking account baselines around $x. I don't use 0 as my baseline. What I mean by all this is that I believe in keeping a certain amount of money not to be used except for situations that come up. When those situations happen, it's important to regrow what was lost. MANY people have financial commitments FARRRR worse than mine and I realize not everyone is capable of using a baseline other than 0. So for that I'm at least grateful that I'm able to do this. So here is my new plan to get myself ouf of my own (rather recent) bad habits:
Again, classic LJ just to get shit off my chest, in spite of the fact that I'm really the only one I'm talking to, haha.
financial rules:1) be stricter with myself at budgeting the money received from Kevin
2) One $60 from ATM a month, NO MORE! (following #1 will help make this happen)
3) NO CDs/games/stuff/items/new instruments etc. directly from checking! (saved "stuff-fund" used with kevin-rent cash ONLY. I'll consider that money spendable earned from being responsible enough to save it)
4) easy on the gas consumption (way less trips to the corning area and even Ithaca for that matter)
5) drop out of Vemma by the end of December regardless of the reasons why I'm not succeeding in it. If a miracle happens, great if not whatever. I tried (actually that's just it... I kind of
didn't). I'll look for another way to persue the "money on the side" goal.
With all that said, If I'm just not making enough money to make this happen
(even while following these rules), a higher paying job is absolutely necessary. Start looking NOW. Although I'm predicting that after I tighten up, I'll have no qualms... so what? I 'd like to make more money, that way I can get closer and closer to one of my huge life goals. No point in sitting idle.
Current Mood:
optimistic