So, over the last year and a half or so my goal has been to get out of debt.
I have also been wanting to be better financially, so I worked on different savings/investment account and even started balancing my checkbook as well as doing a budget.
Now, there is occasionally when I am doing all of this, it seems like I am really on top of things.
Like that huge mountain of debt (not that huge, but still more than I could pay off in a year) is going to actually be attacked.
But then there are days like today when I am making my budget for my 5th paycheck and I realize that making a budget just shows me exactly why I am broke.
It isn’t really helping me to be smarter with my money, it’s really just showing me exactly why I am broke.
For example, random unexpected charges.
Like my gym’s annual fee which is 2x my monthly fee, meaning I am going to be paying my gym payment 3 times this month.
Or Amazon randomly charging me for something that I did not buy, thus over drafting my account.
They did issue a refund, but now I have a nice $35 fee slapped onto me.
I don’t really spend a lot on excess. I really try to be frugal, especially now that I see where all of my money goes.
But in a lot of ways I wish I didn’t know.
Like I wish I could just throw up my hands like “I don’t know where all my money goes!”
Instead I know exactly where it goes and that there is simply a lack of funds currently in my life.
Budgeting is just one of those things that will get better once you do it more and as I slowly pay off my debts, there will be more money.
However, right now I feel like every few weeks I should just create a budget and write “YOU’RE POOR” across it and call it good.
Except once you get in a habit, you cannot stop.