Frugal

When I was little and money was given to me for working or holiday, more than most of the time the same old comment would come out of some person's mouth, "Don't spend it all in one place". I used to think it was a silly statement and also why did that individual care how I would spend the money the had gifted me. Now I realize that there was a lesson being taught there by older wiser folks who had dealt with managing savings and incomes. Savings is a touchy subject with most people because here and now it is so very hard to stick to a plan of saving money. I hate having to worry about money and whether or not it will run out or not sometime soon.

I have several friends going through issues with their own finances and the finances of their significant others. As a whole, we (the women) have collectively decided that men aren't too good with saving money, but after some further soul searching I have to disagree. There are some men around me right now that have absolutely no issue handling their spending or their savings. Normally, when I look through my check book to investigate the current mystery saga of where did all the money go I find that I have "nickled" and "dimed" myself into a low balance. I am not a huge shopper girl that has to be in the mall every weekend looking for the newest and hottest trends. I am completely content with just running into Old Navy for a quick run through but only when I am in need of something specific. Maybe I should put myself on a much more strict budget so that I can save more money. Lately, I have been desperately trying to pay off some bills so that I have a bit more breathing room and so that I no longer have to worry with owing someone money. Yikes, this being an adult thing is really no fun these days and I have a hunch it is only up hill from here.


I suppose that I need to pray for help with learning better discipline and control when it comes to all the aspects of my life. On that note, I am trying to exercise and eat much better because while I was doing so last month I felt better in general and now that I've slipped a bit I am noticing a difference. Even this morning, after getting a full night's sleep I was still exhausted. So discipline.... here I come. Maybe, no hopefully.


There is some satisfaction that I get from paying a bill on time and without worry of bouncing any of the funds. That part makes me feel like a grown up even though I am really resisting it. I thought that this was something that people grow to love, but recently I found out that fact just ain't so. A friend of mine has been finding out surprises about her live in boyfriend for about 3 months now. Some of which have been quite serious and definitely expensive for the resolution, but she has stuck by him in trying to persuade him to work it all out. He has a terrible credit score from a reckless youth which included no discipline of his own. She loves him and is clawing at his bills while trying to rectify this problem. This week he came home and parked the car around the back of the house so that the view of it was blocked from the street.... yeah you guys guessed it. The bank is looking for the vehicle and he was a bit behind on his payments. After three phone calls and a screaming match, my friend got to the bottom of the confusion while taking diligent notes and shaking her head. He was almost 9 payments behind. AH! Boys. What would they do with out us around right? When she questioned him on his behavior he gave a response that he had completed paying off the car and didn't really care to pay the interest! This generated much needed laughter for her and for me when she told me about it and as a matter of fact we're still cracking up somewhat. Are you kidding me? In that moment I thought her head would explode but she just sat in silence and laughed at the ridiculousness of it. And even though I thought he would most certainly be a dead man this morning, she has decided to be his personal financial advisor. Honey, all I can say is that I wish you the best of luck at this point in your relationship and if you need anything please don't hesitate. He will be alright as soon as she gets him back on track, and from what I know about her it will be more funny stories to come.


Any advice on how to change habits from spending whenever on whatever? I sure hope that my transition isn't as painful as other's have been and that all of my plotting and planning gets me back on track soon. Until next time, just laugh and be frugal