I really am clueless when it comes to cash. Although I've been working at being smarter with money for 9 months now (wow, it really has been that long!) I feel like I have been sliding backwards lately and it's not a comforting feeling. I know what I have to do and what I should be doing but it never turns out that that's what happens. My credit card is still in my wallet and it really is evil. Today, when I get home, it's going far far away and I hope I don't see it for a long long time. My credit card bill is beyond high ($828!!) from stupid stupid purchases (mostly) and it needs to stop. Apparently I was wrong in my recent post when I said my last balance was all paid off because I still got charged $3.40 in interest. What? How? See? Clueless.
Well I'm springing into action. I've put my social life first in a lot of situations lately and that's coming to an end. I will work more and what free time I have left will be for play. Hopefully I can babysit some more too(not sure but hopefully!). I should also have a security deposit from my old college house coming my way soon, which would make a huge dent in my bill.
My allowance is down to a little over $20 for the next week. Yup, somehow I spent that much money this weekend on going out to eat. As a result, I finally grocery shopped and spent more than I budgeted for. I did stock up well though and I did cook noodles and meat sauce for my lunches at work. I have cereal and bagels for breakfast at work too. If I plan this correctly, I can do it. I have no idea what the next week has in store socially but I'm going to try to avoid going out to eat/drinks because that's the worst of my spending habits.
I'll end on a happy note :)
One perk of using my credit card is that I get reward points for each dollar I spend. I've racked up enough points to get a $25 gas gift card. Hardly worth all that spending I did to get a measly $25 but hey, it will help. That's $25 I won't need to put into my gas fund so instead I can make a credit card payment. Vicious cycle but I'll take what I can get.
Any good hiding ideas for my credit card?!