Well, I learned that I am making terrible decisions. That's all! Thanks for reading. No, but seriously, my February goal was to track and save. It’s like dieting, when you see exactly what you’re eating on paper, you know what to fix. The iPhone notes helps with their new excel-like chart feature. February 1, I began tracking. I would spend $2.62 on a small coffee from Meijer gas station and a Hidden Valley almond butter bar. For lunch, I ran to Taco Bell for Prince and I and spent $15. Vomit! I mean for two reasons, eating Taco Bell and spending $15 on fast food that is hardly worth it. The next day, I would go to Dunkin’ Donuts and get my daily iced-coffee. In my mind I think I’m winning. Why? Because Starbucks is the alternative and $3.42 is clearly better than $5.75. Touche? Touche! Let's fast-forward a couple of more irresponsible days in a row... I would end up spending $163.50 from February 1 to February 5. My name is Stephanie Singh and I am a spendaholic. The first step is admitting it, right? The next step is doing something about it and guys, I am proud to announce I DID THAT! I mean $163.50 on unnecessary crap was disheartening. I could pay a bill with that money, I could save that money!
So, I made a vow to myself that I would not stop for coffee, and I would meal prep. I've been going to Kroger on Sundays and making multiple dinners for Prince to take back to Jeffersonville with him and for me to eat on all week long. Last week I spent $100 at Kroger and Sunday I only spent $50. Two weeks worth of groceries cost me less than 5 days of coffee and fast food. I've seen the light at the end of the tunnel. I'm encouraged and encouraging you to track every penny. It's hard, but if you do this for a month straight you'll pick up on your spending patterns and you'll without a doubt change your ways. Key takeaway-Use your debit card for everything in the beginning, that way you can reference your bank account for transactions. After that, give yourself an allotted amount of cash to use every two weeks. When it runs out, it runs out. Discipline, discipline, discipline. It's the key to saving!
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January 2018
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