I have a confession: I am SO TIRED of being thrifty!
I look at my budget every 2 weeks when I get paid. I open it up, go down the list and pay all the bills every other Friday morning. It is literally the first thing I do. I've gotten so I look forward to it. I get a small thrill from putting money on my school loans and watching that number drop.
I like to live my life with a credit card balance of zero. I take pride in the fact that it is paid in full. When I do use it, it is only to earn cash back money and I pay it off the same evening that it is used. I feel like I am building credit and earning that little bit of extra cash back money by doing so. Recently though, life has thrown some things at me that I was not financially prepared for:
1. I had to visit the hospital and have lots of belly tests done. This resulted in doctors and hospital bills that frankly are enormous. Makes me want to vom thinking about it.
2. My car was wobbling when I drove on the highway to the point where I knew something was wrong. I took it in and my two back tires were literally splitting in two. I had to purchase 4 new tires unexpectedly. Rude.
3. My BFF's wedding. I have been saving money out of every paycheck for almost a year now. This was awesome when I needed to buy my bridesmaid's dress and I had the cash. Then I needed to fund my portion of the bachelorette trip and I had the cash. This past week I realized that I need to book my Airbnb for the wedding (since it's cheaper than a hotel) but I don't have the cash. I will by the time her wedding rolls around but by then it will be too late to book. Also, I have to get the dress altered because it is embarrassing how big the chest area is on me. If I turn sideways and everyone and their mom could see right in the armpit hole.
The point is that I've had to charge three things within the past month and have a balance on my credit card. I NEVER have a balance. This is really bothering me.
I have been extremely aware of how I am spending money over the past week. And I have realized that I had gotten into the habit of spending money on things that I didn't need. Small things like eating lunch out with coworkers and buying a shirt that is 70% off. I see sales and think about how awesome they are instead of thinking about paying off my debt. I buy groceries when there are so many meals already in my house. I may not want them, but it's food and I should be eating it before spending more money.
I used to write a lot about my struggles but started backing off when met with negative comments and reviews. I think that honesty is the best policy almost always but especially when it comes to finances.
Basically my happy ass wont be eating out or buying clothes for a long time. Which is my whole goal anyway-I just slightly lost track somewhere along this journey. I still feel that I have been very smart financially and I am paying much more than my minimums each month but still...if there is a way to pay even more per month, why am I not doing it?
Anyone else struggle with getting depressed about their financial situation from time to time?