The Challenge of a Spending Fast

I realized this AM that I had said I was going to get a tattoo, buy some boots (finally) and save for a new desk in 2012, two of which I had thought would occur shortly after the new year.

The desk can wait. I would like a real desk, but I should be thrifting for it rather than purchasing it from Ikea (which I have still avoided despite it's much anticipated opening) or elsewhere. My table works just fine, and is less bothersome now that my hulk of a 11 year old computer has been recycled and I have my nice (used) new macbook!

I suppose the boots can wait too. I don't really have a good skirt or dress to wear with them anyway. The socks I got for Christmas I can still wear (knee socks!), and the leggings can keep me warm till warmer weather allows me to wear flats with them.

The tattoo.... I'm still waffling over it anyways, partially just the pure fact it is a tattoo (really!? I never thought I would!), but also with the anticipated expenses in 2012 I'm wondering if this is a wise use of my money right now. And NOW with the spending fast I'm planning.... hmmm. I'm sure I could come up with a justification. Maybe I live a year with it in henna. I have enough henna to probably get me through most of the year.

Hmmm. In little ways I'm realizing how this will be very challenging. I guess I didn't realize how easily I let myself purchase things when I should have saved up for them. I could say I'd saved for the tattoo... I do have good savings right now. But I think that needs to go to Telluride with me.

And on the other hand it's exciting! I could really change my life in new ways with this fast. So I suppose no tattoo for now.

Testing the Waters!

Today I shared with a friend about my spending fast. Her birthday approaches on the 3rd, and since we typically do lunches for birthdays, I thought it would be considerate to let her know of my decision.

She was wonderful! She suggested a "stay in" sort of lunch and folks would order if they wanted, and I could still join them but pack my own lunch. What a great reaction!

And then walking home I got to thinking about the food from my favorite Chinese place, whom I haven't been able to order from since before Thanksgiving because the phone call never goes through. I hope they aren't closed. It may not be 2012 yet, but I took it as a chance to practice. Success! I had a great salad at home, some bread with jam, and dreams of Chinese have left for the day.

I'm also practicing conserving energy - fewer lights on in the place, and I've successfully turned the TV off.

Spending Fast

Here it goes! I'm going to start a spending fast.

It has taken a while to get here... and I'm still not totally sure about it, but the more I thought about it, the more it seemed I should just go ahead and do it whole hog.

I've been reading The Thrifty Social Worker's blog over the last few months and in addition to a writing style that is just up my alley and amusing, and an outlook on life that approximates my own, she has caused me to think. Also with a few thousand dollars of car repairs being done, as we speak, that I will owe back to my dad (but thanks to his interest free loan, and thank God for Dad!), an existing car loan, student loans, and not as much money in savings as I would like, I need to do something!

I think friends and family will understand. I hope so. It will be hard at times. At work birthdays are usually celebrated with a lunch out, that the birthday girl doesn't have to pay for. I think I'm going to have to back out of those. I'll just learn to make extremely satisfying cupcakes, perhaps! This Christmas our family started to back down from the extreme present-giving. Dad and Mom even donated to Heifer International in both my and my sister's names! This is totally new for our family, and was so incredibly welcome. I'm crafty and like baking, so am hoping this will get me through some of the rough spots as well.

So below I'm making a list of what I will, and will NOT, spend money on during 2012.

What I will have to spend money on:

Rent

Utilities (electric, internet): this should be an area I should see some good improvement in... I have a horrible habit of leaving the TV/VCR on when not watching it as background noise, and leave lights on more than I need. A terrible habit for someone who purports to be 'green!' Go back to completely line-dried clothing. I already cut the cable TV out last year, but could still cut down on my time in front of the tube!

Cell phone: I just found out that a different cell service provider offers my workplace a group discount! I am hoping to switch in February.

Food: I'm spending more than I feel like I should, so cutting down on total budgeted amount which means using what I have on hand (who doesn't like a stocked pantry?) and perhaps including cheaper meals from time to time (hello Dirt!). Cut down on food waste, cut coupons, search for deals.

Car stuff (loan, gas, maintenance, repairs): cut down trips taken so I don't fill up more than 3x per month. Use bike and eco-pass. Put money aside for car repairs and maintenance each month.

Student loan and loan from Dad: the loan from Dad was the final straw in moving me towards the fast. I need to have money saved up for emergencies, and I would like to pay down all my debt sooner than the creditors have on the list.

Insurance (renters and car).

Gym membership: the price is reasonable, and I want to be traveling and working with Girl Scouts in my 80s!

Doctor co-pays and medicine: as needed. Will use medicines in cabinet first before trying out something new. Visits to the doctor are pretty limited, and with the gym membership (and actually using it!) I'm hoping I won't need to go but once this next year.

Pet supplies: the pets have got it made! I'm not going to purchase toys, but will make with items on hand instead, and I'm hoping to find coupons.

Hygiene and home supplies: This is for shampoo, stamps, TP, etc... but the budget is small for these odds and ends. This includes things here and there that will help with gift making and giving. I will look for coupons and only purchase items on sale.

Other: a cousin may be getting married this summer, I've already got plans to travel to the Telluride Film Fest, and things like professional membership fees when not covered by work are going to have to fit into the budget in 2012, but I'm hoping to budget my money out to fit these costs in without detracting from my spending fast.

What I'm NOT spending money on:

Basically everything else... it actually doesn't seem like there's all that much more, but some of the items below, as well as overspending on groceries and other 'necessities' have caused the budget to rise too much.

Gifts (I've already been doing this for years to an extent, but this year I'm giving it a go at 100%)

Eating out (including tea out!)

Clothes (I will thrift as needed if clothes give out)

Movies (super hard, but am starting the year with a gift card so hopefully that will suffice! Also includes not purchasing Netflix but sticking with checking out items from DPL.)

Books, movies, CDs (all tend to be impulse bought)

"Doing a Spending Fast or a Spending Diet isn't a magical lottery ticket. It is hard work. It sucked at times. Some of my relationships really suffered because of it. I wanted to give up. There were a lot of really awkward moments. I messed up. It was hard. Did I already say that? Because it was (and continues to be)." - Anna Newell Jones (An Then She Saved).

I've got to remember the above statement (where the Thrifty Social Worker got her idea!). In the long run I'll be much happier to have a bunch of money saved up for emergencies, as well as saving for purchases rather than just purchasing them when I want them!

We'll see how this goes, but right now I'm excited!

Chance taken, moving foward

I've received a clear answer that dating is a no-go. A bummer, minus the fact that the kiss left a little to be desired.

Moving forward I am wondering about setting up some sort of online profile...

On the other hand, it feels like the magic goes out of it all. But can I rely on chance forever?

Today at work made me remember the great wide open, full of possibilities for my future. I wonder what is next?

Next, of course, being not for a while since I've got goals here I still want to accomplish, and lessons left to learn!

Working for the positive.

I'm tonight trying to remember that whatever happens, I took charge and acted to take my life in a positive direction.

It's possible there'll still be a date, just isn't going to happen tonight.

Still working on positivity and also working to declutter my life. This decluttering has been a project for at least 6 months or so now, maybe as few as 4 months. It feels fantastic! I moved around the stuff in my 'dining' room today (a bookshelf and cat litter box/food etc) and because I had to take everything off the bookshelf to move it (and who knew that linoleum could be dented or completely sunk through by the foot of a bookshelf!?), I've been working through everything on the shelf: keep, recycle, scan and then recycle. I have a huge pile of recycle. I'm finally getting to a place where recycling old school stuff feels OK. This has been something I've worked with my entire life. The need to keep school stuff, but not really ever needing it. School texts too. I've got a bag full of old texts to take to work for donation... that somehow feels better than outright giving them away. This bag has books totaling over $100... probably way more.... I guess I always feel like I might need them or need them for reference later in life, and would hate to have to buy them again.

I need to remember that the library is always there, and by the time I would want to use these texts, newer, more accurate ones will be available!

So, thinking about continuing to work through my bookshelf stuff, while trying to stay positive.

taking charge #2

Date number 2 is tomorrow night for a movie. Still taking charge, primarily in continuing to remember what I want out of any dating these days. It feels pretty good, particularly getting to have a second date too!

taking charge

I didn't know what my first step was going to be, and I feel like I've made the first step anyways with my positivity journal, however I asked someone out yesterday, and we have a date tomorrow night!

So excited!!!

A new year and what it could be...

I'm now a new year older, and am so incredibly happy be be so. My last year of life was... a year of learning (according to Kyoko). Other people might call it bad or challenging. I don't think people would really call it good.

-Car repairs of over $1000

-Bell's palsy

-loosing my movie buddy as a casualty of maybe starting to date

-car accident resulting in totaled car

-needing to purchase a new car (which I LOVE!)

-work shit

-realizing my self confidence is not what I had thought it was

-Lawrence

All of this actually adding up to a year that was full of learning. Now, I love learning, but this was a bit much (and I feel like I might actually be missing something on there). I'm going to settle for my next year being one that is a little more calm. Learning how to build my self confidence up again so the next time I'm found lacking at work (I have to think there's going to be a next time, whether it is my doing or not) I'm not left in as sad a state as this summer. I also want to make progress towards figuring out whatever is next for me in life. I don't have any clue what it is. Lately I'm wondering if in fact it will not require a move out of state. I fell in love with Telluride this summer, and it reminds me of when I lived in Summit County for a summer. ...

Anyways, my first step towards stabilizing and building my self confidence is a journal of sorts. The intent is to put things in it that make me happy, and remind me of how awesome I am. I looked around a bit on the internet and can't find anything that really is a good example of what I am doing. It's not much of a journal because I don't do much writing in it. I'm one of those people who likes to cut things out of magazines. I'll often go through them before I toss them into recycling to find things to cut out. This habit has really paid off in the last year since I have been able to use these cuttings for activities with my GS troop, but also have been able to pull things out for this journal I'm working on. So it contains clippings from magazines that have caught my attention (and since I tend towards positivity, this really works!), random unison prayers from church that I liked, notes from friends and family that remind me how wonderful I am, quotes from people I admire or that mean something to me. Pretty graphics now and then, notes about meaningful conversations I've had with friends.

A great example is a conversation my friend Lisa and I had probably about a year ago. We were both griping to each other about work, and she came up with a brilliant idea to move us towards positivity. We each gave each other three compliments. The three she gave me were fantastic, and I've thought about two of them constantly over the last year. The first one she mentioned went right to the heart of something that has always frustrated me. I cry easily. She was able to see my tears as something that symbolizes that I'm highly empathetic. I think of it as her giving my tears to me as a gift. WOW! This realization really helped me these last six months to have those words in my mind, and probably saved me a lot of heartache. I have something in my journal about this experience with Lisa.

So, that's step number one. I think step two is to formulate a goal for this new year of life. What do I want to accomplish, what do I want this next year to mean...

I'm looking forward to seeing what happens this year!

Success so far!

Today is Wednesday and I've successfully commuted alternatively all three days of work so far. I walked to work today to celebrate that I don't have GS today (it's tomorrow to get ready for cookie season), and ended up taking 2 hours total commuting... it takes me 10 minutes to bus or drive my car to work typically! This is because on the way there I walked to my bank and my favorite coffee house before work this AM (totally worth it!) and on the way home walked to my library to return some DVDs before heading home. An hour each way of exercise and thinking.

Awesome!

I'll be driving tomorrow because I have to be out in Aurora at 5:30 for Girl Scouts to get ready for the Cookie Rally. But, since this week is a 6 day work week I'm thinking about commuting alternatively 5 out of the 6 days... we'll see how I feel once I get to Saturday!

And to compound my feelings of being a little bummed out about being single, starting tonight I'm now going to look even less alluring in bed thanks to my new night guard. It's not the fancy $xxx one from the dentist, it's just from Walgreens, but hopefully it will help me stop clenching, thus creating the lovely popping jaw I now possess!

A New Year!

With some of the texts I've been reading lately, while I'd like to make a whole plethora of goals (not resolutions... goals are measurable!), I've been learning that humans have limited willpower and if I want to be successful I need to be measured in my approach to the new year. Makes sense, because for a goal to be successful it also needs to be measured.

So, my goal for the new year is:

I will commute to work alternatively at least 4 days per week. At least one day per week will be walking to work.

I figure this could take care of some of those health-related resolutions by also saving me money and helping the environment. I've been bothered lately because I was selected to be a member of the Wild Ride team because of my commitment to commuting without a single-occupancy vehicle. Well, I've been doing incredibly badly at this, and yet have been getting some great gear and fun stuff for free because of this "commitment" I'd made.

So far so good! I've done great the first two days of commuting. Tomorrow I'm planning on walking because I have some checks to cash and movies to return. And no Girl Scouts tomorrow because of the Cookie Rally on Thursday instead.

Anyways... onward to a great new year! I'm young and happy and single and loving life!