I got to really identify where my money was going so now I can focus in on what areas I need to cut back on my spending. A lot of those purchases are out of pure laziness or impatience. I am too impatient to wait to eat when I get home or too lazy to cook something when I am home. I will be cutting back on hanging out places that require me to spend money, I have been given an allowance amount to receive every time I get paid. I can do whatever I want as long as the spending stays within the alloted amount. I am forcing myself to make better day to day decisions and I'm sure I will see so much money left over from month to month. I have to learn to say NO....I can not participate in every event that takes place. Honestly, a lot of events that I should be involved in are free or low cost.
This will really be a huge change for me but they say prepare before you have no choice so while I have the choice I'm working to create good habits and someone else is now holding me accountable. My advisor threatened to not work with me anymore if she saw I did not stick to the plan...I don't want to disappoint myself or a genuine caring person who's attempting to help me out in the long run.
Wish me Luck!!!!