So far, so good, but these may be the most boring posts EVER.
Highlights of the past week:
- I have not been to Target, I have not been to Target, I have not been to Target.
- I packed my lunch 5/5 days last week.
- No extracurricular shopping for me or M & L.
- Grocery shopping on Sunday and meal planning for the week definitely helps.
- Checking out the trial on Dave Ramsey’s budgeting tools to see if I like it
Things making it hard to stay on the Fiscal Cliff 2013
- Damn Stephen Bonanno 50% off sale.
- Brooks Running winter sale.
But I just don’t have the heart to unsubscribe from either of those companies. Shoes … it always goes back to shoes.
Ok, so it’s not a cliff and not really like the real Fiscal Cliff, but I may be starting my own conundrum in our household and feel like I need to jump off a cliff.
After a conversation (without wine) with ET, a discussion of no spending until July came about. Not really no spending, but in an effort to get un-poor or how many of us feel after the holidays, a way to curb spending habits and halt unnecessary spending until July 2013.
I know my triggers:
- Target: I go in for say, laundry detergent and I leave with the detergent, new notecards, shirts for Maddy and Libby, a new sports bra, bottle of wine, huge container of animal crackers, lip gloss, hand lotion, a new type of vitamin, tights, and a travel size container of hand sanitizer. Don’t even get me started on the Neiman-Marcus items they had. Michael Kors clutch, I’m still looking at you.
- Online shopping. Damn you Lands End, Old Navy, and Kiehl’s for filling my inbox with your offers of free shipping, $16 dresses, extra deluxe samples. I curse you. I have been an unsubscribing fool as of late.
- Meals. This one is more family related, than to me specifically, but Hubby probably eats lunch out about 5 days a week. I have been packing my lunch and trying to limit my lunches out to 1-2 times every 2 weeks. We can also get in a bad habit of running to Harris Teeter every night when there is nothing in the fridge or picking up pizza. While I know we have to eat, we just need to be more mindful about meal planning and eating what is in our house.
We were lucky to recently pay off some credit card debt and are currently refinancing our house. Given this, I really can’t think of a better time to take an honest look at our finances, set goals, set budgets, and get to work. After all, college is expensive and will be here in 13 short years.
In the meantime, I have been working on goals that I would like to achieve. I know there are things that we have to buy, but I want to be more mindful about what we are spending.
- No clothing purchases including running clothes until July. I have plenty of EVERYTHING and unless I lose all my socks, I shouldn’t need anything new. *Exception: I am allowed to buy ONE pair of running shoes. Mine have approximately 500 miles on them and got me through the marathon, so I know it is time and this will help keep me injury free.
- No clothing purchases for Maddy and Libby. They received a lot of clothes for Christmas, plus a lot of hand-me-downs from a good friend. I will give myself the exception here of bathing suits (because we don’t have any in a size 4). This one is really hard, because consignment sale season is upon us and I usually find lots of good deals for the upcoming season.
- Limit lunches out to “Payday Fridays.”
- No more Nook Book downloads … use the free ones from the library.
- Set goals for saving and start doing it.
I have even been researching Dave Ramsey’s Financial Peace University, but can’t quite commit right now. Has anyone gone through it and would you recommend? I do think he has a lot of good online tools and tips.
So cheers to getting un-poor in 2013. I will post updates here and try to give an honest look at what we do, the mistakes, and hopefully successes.