The Up Side of Feeling Down


As my last couple of posts have reflected, I’ve been feeling down, bummed out, blue, whatever you want to call it.  My spirits are better.  I think I’m over the worst and am finally coming out the other side.

Continue reading “The Up Side of Feeling Down”

Write, Write, Write


They say the more you write the better you get at it.  So for the month of May, I am going to do my damnedest to post something every day.   Warning!  What you may read over the course of the next month may be some real crap.  But I guess that’s the risk you take.  Hee Hee!

I want to catch you up on my No Spending for the month of April.  Looking back through my check register, I see that I blew about $70.00 that I didn’t NEED to spend.  I consider that a victory!

I’ve been paying off a credit card that was over $11,000.  In April, I was able to make a hefty payment on it, bringing the balance on that card down to less than $4000.00 !!  It’s taken me about a year to get the card where it is, but I’m pretty proud of myself for sticking to it.  It won’t be long and I will be completely Debt Free!

I am also trying to save, increase my 401k, savings, etc.  So paying off debt AND saving has been a bit of a challenge.  But, I’m doing it.

Until tomorrow!

TTFN!

Gluttony


We have become a society that expects instant gratification.  We all want more and we want it now.  With same day or one hour delivery even from Amazon, it’s like there’s nothing we can’t get if we just want it.

I grew up dirt poor.  My mom was a waitress that was raising 4 kids mostly by herself.  We lived on commodities (remember those?), lots of pinto beans and peanut butter.  I wore hand-me-downs and second hand.  I learned early on how to stretch a dollar, pinch a penny, make do, use it up and wear it out.

I have fallen prey to the lure of consumerism.   I’ve always been good with money.   I’ve had to be and I thought I still WAS good with money, until just recently.

I’ve decided I want to buy a house.  I put pen to paper and figured out what I can afford to spend and have it paid for in less than 10 years so I can afford to retire.  That’s the grand plan anyway.

In order to have my plan work, I need to save some money for the down payment, closing costs, moving, etc, etc.

I thought I would have a yard sale.  What a great way to make some money and pare down what I have before I move.  Brilliant!

This is when I realized how awful my spending has become.

I moved to Texas in the fall of 2011.  I came here driving a small Uhaul truck, 10′ long and towing my car.  The truck was about half full of my possessions.  I sold or gave away most of my belongings before I left Oregon.  I moved here owning NO furniture.  I brought only the essentials and the sentimental I items I could not part with.  It wasn’t much.

I now live in a 2 bedroom house with a 2 car garage.  Every room has furniture in it.  Some rooms, have too much furniture!  Every closet is full.  I’ve run out of places to store my linens!

The storage of Stuff goes out to the garage too.  The garage has Christmas decorations, luggage and boxes of stuff that hasn’t seen the light of day in years!

In one corner of my living room I’ve started to stage things for the yard sale.  I am floored at how much crap I have acquired!  And I’m not done!

Why?   Why have I done this?

One of the main reasons I moved to Texas is because of the pitiful state the economy was in where I was living in Oregon.  Let’s just say that my income is much better than it was in Oregon.

I count my blessing all the time.  I tell my boss that I am thankful to work where I do!  I have enough money to have a nice place to live.  I’ve not over extended myself, so if I need a car repair, I get it repaired.  I eat well.  If I see a blouse in the store that I want, I get it.    I have some money in savings.  I’ve been able to help out friends and family in Oregon.

Looking at the stack of boxes in my living room, I am flat ashamed of myself!  I added 10 pairs of shoes and 6 or 7 purses to the stack of crap.   There are 2 sets of dishes for sale and I have 2 sets of dishes still in the kitchen!

In light of this gluttony, I’m putting myself on a strict no spending diet.  I’m going to start with the month of April.  NO unnecessary spending At All.   Let’s see how I do!  I’ll keep you posted.  Wish me luck!