Next month I am going into a full blown financial detox.
Me and finances. Oh my. I don't think I grew up really ever learning how to budget, but I do think I learned it really quickly in college. So all in all, I am not awful. I will go for long long periods being incredibly responsible, borderline penny pinching - and then I suddenly have a month where I just, uhm, blow it a bit.
I blew it a bit in March.
I had some big expenses with buying a flight to the US and, you know, I guess I decided HEY, what's another $100 and bought myself a couple of other things, leaving me this month with a lot less in my bank account than I desired.
I also had a weekend trip away that was a surprise with massage and dinner and I had some major issues with my weekly train ticket (deserves it's own shit-tastic blog post), so there were some major extra expenses.
Regardless. I felt I should have had some money left over.
And I don't.
So what the fuck.
I am not one to go back and beat myself up what I did with it. The damage is done, but you better believe that April will be MAJOR detox.
For the fun of it, I am going to do something really extreme, just to SHOCK myself into shape:
1. Once my main bills are taken care off (house, food, transport, gym), I will transfer the remaining money into my savings account. All of it.
2. Every time I want to buy something, I will then either have to physically log into my app and transfer money over to my checking account (takes seconds) OR I have to get cash.
I bet that will make me slow down a lot.
Now that I think about it: I also had 3 proper nights out with girlfriends (that adds up, the booze does) and I had two dinners out with drinks where we at least split the cost and then we had a birthday dinner that I paid for.... Oh wait, I was Miss Moneyfuckingspending this month. Like I print that shit in my basement.
This needs to stop STAT and REAL.
First step: Getting paid on Monday, pay bills, then transfer money into savings.
2. hahaha. Force myself to take money out of savings if I want some.
3. Take lunch to work every day. NOW. I have to say in my defense: I ALWAYS take lunch. The past 6 years, I have been exceptionally good to take my own lunch. My problem these past 3 months in my new job is: They don't have a microwave. It was cold. Guess what my GO TO lunch is in the winter: SOUP. Warm, hot, lovely soup. Sandwiches don't do it for me, I need something warm. So without a microwave, I was forced to buy something warm. That adds up. Now that it started warming up, I have already gotten a lot better taking sandwiches with me, but starting next week: 4x per week bring lunch. Period. Done.
4. Reduce going out a little bit. On both fronts. I think that was a bit much and I need to tone it down a bit for the sake of my finances.
There we go. I will totally do this and I will let you know. I am curious to see how I do on this!