Let me be honest.
Okay, seriously. All I am doing is being honest.
Saving money, paying off debts, you know BEING RESPONSIBLE is not the business. Sure being responsible is all about your ability to function as an adult. Sometimes being a responsible adult is not all it’s cracked up to be. All you want to really do is be reckless and spend money. Those new kicks, you want them. Rolex watch, you want one. Alexander McQueen scarf, you want 2 of them. Trip to the south of France, you want to go to there. The truth is everything that requires having fun costs money. As much as every single media outlet can say you don’t need money to have a good time, most of the time they are lying. Who wants to go outside and chill at the park? Be outside, be one with nature? Please…. I have allergies and find great joy in the confides of my indoor spaces.
Why is it whenever there’s things that I enjoy or want to do, everything costs money? Baseball games, movies, shopping, food… everything costs money! Everything is taunting me and everything is asking for me to have a good time. For every dollar I save, there’s a sale at my favorite store. For every day that I don’t get coffee, I am 1 star away from a free drink. How is any of this fair? It’s not fair! It’s fair to the people who have the money saved and can afford to splurge. However to the millions of us in debt, it’s nothing more than a huge temptation that we can’t help but dive into. For the past couple of months I have cut my spending in half. I stopped buying clothes, accessories, and focused on everything I really needed. I literally went through my closet and pulled out everything with price tags and anything I haven’t worn in over a year. Just my way of truly cleansing my life. HOWEVER just because I cut expenses doesn’t mean I stop spending. The misconception of budgeting is sometimes you spend money before you can truly save money. While I have cut a majority of my spending, I still find myself reliving my old vices which causes me to spend money.
This problem goes back to emotional spending. The spending of money because I’m having a moment. It doesn’t really matter the moment, good or bad the spending happens. Instead of going to the store and buying myself something nice, I’ll buy myself a nice lunch. Sometimes even splurge and get my nails done. Something. Anything that will curb that need to over spend. How ever what I am not thinking about is that everything adds up. The whole point of budgeting is to cut costs on unnecessary items. In the course of the past couple of months I have managed to save over $800 dollars by cutting costs on everything. However in those same past couple of months I have also managed to blow through the $800 dollars I have saved. Whether it be psychological or emotional or just someone voodooing me, I just cannot save money. For every $100 dollars I manage to save, I find 100 different ways to spend it. For every $250 dollars I put toward my debt, I find a way to spend the money. I am not sure whether its the notion that I think I am not spending any money but reality is I am still being careless with my spending.
My problem is I have a problem saying NO. Its easy to say No to things I don’t care for, things I don’t want to do. Yet how do I say No to the things I want to do. If a friend invites me out and it’s something I want to do, how do I say NO to that? How do I say No to Life? <-Okay that’s my problem. That right there. I don’t have the money to live the life. Which in turn makes the struggle real. Of course I want to do the things I love. However I don’t have the money to spend to live the life I am accustomed too. Honestly I never could afford to live the life I am accustomed to which is the reason I am in debt. NO BRAINER. I get it.
The Breakdown of my spending goes as follows:
I make roughly $16/hr. Which makes my paycheck around $530 (after taxes).
A breakdown of my current weekly expenses:
Mom (paying off debts guys!!): $100
TOTAL: $400 a week
A breakdown of unnecessary expenses:
Lunch: $10 a day (5 times a week)
Coffee: $5 a day (6 days a week)
Random Dinners: $25 (at least once a week)
TOTAL: $105 (a week)
$104 unnecessary expenses
TOTAL: $503 (a week)
TOTAL Left over: $27 <-This is why I can’t have nice things
Somewhere in my warped mind, I believe that food is not an expense. Food to me is a necessity, we need it to survive. Yes, I need that $5 dollar coffee to live my life. I also need the $2 dollar croissant, that’s made with real butter as well. Seeing that my food is there a minute and gone the next (since I have no self control and tend to scarf my meals down), I don’t consider it an expense. While the only thing to even showcase the evidence of my food spending is the countless napkins lining the passenger side of my car (I should really work on that). Not to mention my bank account drained because of my lack of self control. The main problem of my spending and not being able to save money is for every $100 I put toward a debt, I spend it. The $5 dollar coffee that I consider a necessity, adds up. For every $100 dollars I save, I use my card for my expenses. Every time I use my card, I’m spending more than my fair share of money on that card. Since I spend the money on that card, I put what I have in savings toward that card. Which in turn drains my savings and therefore, I’m right back where I have started from.
No money, still problems.
Truth of the matter is all of that is an unnecessary expense. Do I really need to be eating out everyday? Do I really need a coffee every day and it’s delicious buttery croissant? Of course not. I don’t need it. I want it, but I don’t need it. If I could be really honest, I am just lazy. Lazy to make a lunch every day, lazy to make a coffee every day, lazy to function. My laziness is making me broke. My laziness is why I am in this mess in the first place. While I do applaud myself for finding alternative methods to deal with emotion, I’m still finding ways to spend money. The point of not spending money is to do just that. DON’T SPEND MONEY. I understand that’s the whole point of being an adult is being responsible for your well being. Seeing your mistakes and growing from them. Just on some occasions being an adult doesn’t really cut it, you grow restless and become reckless. I get it. I’ve done it. Now I’m just at the point where, “Man I’d just like to see my money”. Its like everyone says, we all gotta start somewhere. Shoot even Brian McKnight started “Back at one” right? So these are my pitfalls, reasons, and honest accounts of why I do not have money. This is also the reason why I can’t hang. Budgeting money is not easy. Being responsible is also not easy nor is it any fun. However to come up on top, you gotta struggle, you gotta fall, and then eventually everything will work out in the end. Everything in it’s right place.
But for real though this struggle is as real as you and me.