Recently I’ve been having a lot of trouble with finances. Basically, I’ve been spending more than I have. My mom tries to help me but she tends to freak out when things get overwhelming money-wise so she was just kind of frustrated with me in general. But July changed it all. I took 2 months off of school, my first break in a year, and decided I was going to accomplish some things in my time off. Here’s my list so far:
1. Personal Image (I talked a little about this in my last post)
3. Cultivating Friendships
4. Organize my life
Since I’ve been working on number one a lot lately, I set July for the start of number two. So, I started a budget. First, lets back track a couple steps.
I’m a member of Paperbackswap.com and LOVE IT!!! I read a lot and I love the smell of old books and the feel of flipping pages. Since I was having so much trouble with money the last few months I decided it was time to break down and read some Dave Ramsey. Before now I never really had any money to budget so I figured it would be a lost cause to read it. I found one copy of an old publication of his book and decided that would be the one I read since it was free. The book came and the person who sent it to me even added $5 – mom pointed out this was to get me started saving – so I felt like I was already on top. I had heard wonderful things about Mint.com so I logged in and made a budget. Then I waited for July to roll around because I was already in the hole for June. July hit, my paycheck hit, and I started allocating money and paying bills. I love watching those little green lines go up and turn into yellow lines that show I’ve paid the bill for the month.
Now onto the bill paying part. I know I can’t pay all my medical bills, and my parents do help me some, so I put a couple of co-payments worth of money in my budget to start off with. Today, I got a bill. It was a small co-payment for some lab work and since I was already on top of printing my EOBs from my insurance company (a step into #4) I knew I owed it. So, I paid it. It feels so good to get a medical bill and be able to pay it. I feel like after all this time, I’m getting my adult-ness back. When your life derails into oblivion, to have this feeling again is like a weight off your shoulders.
I know it’s only been 5 days in but I’m doing very well. I did make some unintended purchases but before I made them I always thought, which little green line and I going to give up to make this purchase? If it wasn’t worth a green line, I put it down and walked away. Some things just aren’t worth it, some things are. I know I’ll have to tweak my budget in the next few months to get it where I want it to be, but right now I feel empowered. Life is on track and feeling good.
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