If you've been following my blog, you'd know that I suck at budgeting, dieting and not-shopping. I don't go into debt horribly. I don't spend more than I make (except that small period of unemployment). I just have a difficult time saving. I think a big issue that I have with the whole thing is that I cut way down and save for a few weeks, maybe even a month and then freak out and spend spend spend.
This time, I'm not going cold turkey. I've set up my direct deposit to split into three separate accounts. 50% of my income goes to Needs. 30% goes to Wants. 20% goes to Savings.
I'm coming to the end of my first pay period with this budget. Let's see how I did!
Cell Phone Bill Payment
Dog Wellness Plan Payment
3 Bottles of Pop
2 Lunches at work
Sodas at a work event
Ticket to CONvergence
Sandals for Jared
Jimmy John's (twice, and it was delicious. I have no regrets.)
Biore Pore Strips
Pantone + Sephora Make Up Brush Roll :D
$50 to my Macy's Bill
Dinner at Peninsula
Haven't touched a red cent!
We bought groceries for two weeks before this pay period. I went over on Wants. I'll need to work on that.
Additionally, I shoved some money into the San Francisco targeted savings account I started up. I figure I'll need $1500 for San Francisco in September, $2000 for Disney in January, $500 for Irish Fest in August and $200 for CONvergence in July.
I'd also like to save up 6 months bills in my emergency account. After that, the majority of my "Savings" will go to paying off my student loans.
Without the exciting experience of getting to know a new partner - I'm now dating a Republican.
The talk radio that Jared listens to two hours a day, four days a week has made his political views face right. I'm not saying that he's a bat-shit-crazy right-winger (yet), but his moderate views have taken a swing for the conservative. A part of me wonders if he has done this in order to argue more often. Everyone loves a good debate, amiright?
Anyway, the way this came about was that Jared and I discussed gay marriage after the President made his view known. Like all our political talks, we did not discuss our personal views. Instead we argued over semantics. I think that marriage was created and exists in order to provide a stable financial unit in which to raise a child. Jared thinks that marriage exists in order to encourage people to have children. (I don't think people need to be encouraged to breed.)
Where this led to was that straight marriage creates people, gay marriage on the other hand can lead to the fostering and adoption of people in need. So, being me, the debate ended with the following statement, "Well then, by your definition I'm pro Gay Marriage and anti Straight Marriage."
Why is everyone getting engaged right now? It's always insane the number of people getting married in the summer. Can't we all just agree to not cheat without permission and to buy one another jewelry on occasion?