29 December 2018

Sometimes things have to get worse.......


Because when you think about it, it is really all about mindfulness and not doing things automatically. Which I haven't quite gotten over yet. Let me explain.....

Last post I talked about having a goal of paying down my debt. Excellent goal and something I absolutely will achieve, but it's going to take some time. In order for this goal to be achieved, I need to be mindful of every single penny we spend. And I'm not there yet. I sat the other day and paid off a couple of cards, paid my bills, and had a little bit of money left over. I thought that will get us through to next payday. But then I made some purchases without thinking. Only after the fact did I consider what this would do to my financial state for the rest of the month. So I am moving money around to prevent an overdrawn charge, but it may not happen quick enough. Side note: how come they can take money immediately yet it takes a couple of days to put money back???  So that is what happened. It's my own fault, I made some automatic purchases without thinking it through. My budget for December is shot to shit, though I did start in the middle of the month. But I guess this is going to be a learning curve. It took me a long time to not eat things mindlessly, so I guess it will take me a while to not spend mindlessly. So I'm going to pay the overdrawn fee if my transfers don't clear quick enough and I'm going to look at this as the cost of learning. I have got to think before I spend anything. Ever. Lesson learned.

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