Gloria, you asked about my resolutions for the year. Number one I need to control my budget and number to I need to top my frivolous spending. This spending is almost always on credit cards and you know what? Those have limits. I have reached mine. A fool and their money are soon parted.My apparent life story.
So as a project I am going to reign in this lack of control spending gluttony and get a grip. I found this website, and it had some good advice on making a “bare bones budget”. I have now done this and the challenge will be sticking too it. I’ve read in the past that people should have an emergency fund set up. I don’t have this, but I now have budgeted one in. I will build it and hopefully that will reduce some stress. After I have it I will divert funds to extra credit card debts and use the popular snowball method of paying down debts. You tackle the smallest one first and then move to the next etc. I have big plans for all of this. Although I am not sure how I will be able to get all these tattoos I need. I did not budget for them exactly.
I’ve been reading up on the frugal lifestyle and honestly I use most of the approaches already. It is second nature to me. Obviously, as I talk about it all the time on here, shopping is my main downfall. And I end up with a lot of crap I do not need. I get so many ideas that I put the cart before the horse and endup with dollar store sprees and thrift store sprees. Then I never find the time to do half the ideas I have. So I am taking the opportunity of 2017 to deal with this chaos. Some of the things I read about on frugal idea websites and articles are quite laughable and of no help at all. “Roll up your change” ok who has change these days? Everything is debit and credit. I don’t have change very often. “Have a yard sale” well it is winter so that’s out. Maybe in the spring. “Coupons” ok so I tried this in the past with minimal success. This is usually promoted by USA websites because you can combine coupons fr food and get amazing deals. The only time I really benefited from coupons was when I used to buy baby formula. That was a million years ago. Sorry I don’t have time to save coupons for 0.20 on a can of tuna. “Paid Surveys” tried that and all I got out of it was a headache.
Yeah. I will be working on selling off extra things from my house and art that I make. I think that is where my tattoo money will come from. The yard sale will be a good time to do this. And the internet will help.
Well well well I am sure this has been boring enough for everyone so off I go to make some art. -Toodles