Money Diaries. #1

Sometimes money runs through my fingers like sand in a sieve … you know how it goes – it’s like all your shoes wear out in the same month. You need new (or new to you) clothing and everything (perceptions, glasses, shirts, bras – life stuff) all at the same impossible time. It is incredible frustrating. I read all sorts of how to handle your money but sometimes I think those articles are meant for people that maintain a certain level of affluence. I think it is called the latte something something

It has been awhile since we talked about money. The reality for me is that money sucks. Actually gracefully accepting my place in the financial scale makes it easier for me to figure out what I need to do to move forward. As you might know I took a few weeks off of Starbucks in April because I needed a break. I needed to push pause for a minute and catch my breath; align my expectations of myself and figure out what I want to do next.

Taking time off means less money – my budget has gone to shit. I stopped tracking my money. It is the same concept as weight watchers – you gotta track your bites or you don’t lose the weight. I need to track my spending or shit goes crazy.  And, Friends, shit has gone crazy. I need to plan my spending or things get out of control right quick. Some days I wonder if I will ever see the end to my student loan nightmare. The truth is I got tired of it and got distracted because it’s hard to build a life on no dollars.

So in financial news aka pending expenses: I got hit with an amount owing on my income tax. A couple of traffic violations and I need to update my address on my license and insurance. My wisdom teeth will be costing anything my insurance doesn’t cover. I need new glasses, contacts and an eye exam and last but not least I am getting another laser treatment this week on my tattoo. I am mega excited for getting a new tattoo for my birthday this coming December that will cover the spot I am lasering. So I will not make any of my targets for paying off my Alberta student loan any time soon. Gah. I step forward – 3 steps back. I have been good with my no buy with the exceptions of things I really needed.

My 3 big lessons are:

  1. Budget like a motherfucker.
  2. Track your Gawddamn Spending.
  3. Take Control.

In other news that affects my finances. I am trying to brush up on my English grammar because I am thinking about taking my CELTA so I can teach English in Canada.  And then replace Starbucks with teaching. This will cost money but likely make me more money in the long run (also allow me to consider a bit of a Bali teaching situation that has been on the bucket list for years). I am looking for higher paying full time jobs – albeit not that hard. August is my two year work-aversary … so perfect timing. Change is in the air but sadly this time not in my hair.

Anyway – the reason I write this out is in the hopes that you will take a step back  from your financial situation and realize that we all struggle with finances. It’s expensive as fuck to live in the Western world. People have debt and the truth is – none of it is good and the only way out is to plan it out, pay it off and show yourself some love. I have thought about selling everything and moving abroad again but I’m not there yet.

So with that friends, happy saving, happy spending and thankfully it is almost nice enough for picnics and strolls in the parks.

Good vibes,

C

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