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!!!!
Good Luck in your endeavor.
ReplyDeleteIt's really about discipline. We all could use it. What i've done in the past is to write down everything that I spend and keep receipts.
You will be so surprised at what you spend your money on. Additionally, you will be very 'aware' when you do make a purchase and perhaps reluctant to spend.
You are so right! My adviser wrote down every bill for me and gave me a spending allowance so know I know exactly where ALL my money is going. Like you say, I definitely think twice before I agree to go to certain places which require spending money. Thx for the comment :-))
ReplyDeleteGood luck
ReplyDelete