Well, 30 days of my spending freeze has passed! Boy did it go by fast! Of course there were a ton of temptations out there, but I did my best to avoid them as much as possible. I unsubscribed on Facebook, Instagram, and email from all of the boutiques and different shops that I followed. Any time I see a suggested post on Facebook that says “so & so likes XXXX Boutique” I select “I don’t want to see these posts” and unsubscribe from those too. They make it practically impossible to not see that kind of stuff! Now if I could just get all these fashion bloggers to quit blogging such cute outfits I would be set! ;-)
I did end up making one clothing purchase. My cousin plays rugby for ISU & they had a fundraiser for their team. The only thing that they sold were clothing items so I bought a plain, grey, crew neck sweatshirt that says ISU Rugby for $20. I’m planning on continuing this resolution for another month and hopefully beyond! I want to try to live by the motto "memories over materials" and I feel as though that will be a little bit of a challenge for me. I like "things", like clothes, purses, shoes, etc. we all do, but with babies on the brain and a new home, I think that I need to shift my focus a bit.
Our next big step is getting ourselves adjusted ahead of time to life with a house payment again. One nice thing about my work is that we have a credit union that will take a payroll deduction out and put it in an account. It’s always been an extra savings account for me, but now we are going to use it to make sure that we have the money for our house payment each month. It’s nice because I don’t have to take the money out myself, I will just get the remainder of what’s left after the money comes out so there’s no way for me to not put in the allotted amount. We are planning on starting this now so that we have a few payments ahead of time and so that we can adjust to the change. Right now all we are paying is interest on the money that we've already drawn, but come January, we will be in full-fledged payments and we need to be ready.
Financial planning really is the key and we all have budgets. Joe’s job is not a straight 40 hours per week. Sometimes it’s 8 hours a week, sometimes its 60 hours. It makes budgeting a challenge, so we are trying to be as proactive as we can going forward. If found this great Budget Binder from Thirty Handmade Days that I’m planning to use once we’re in the house & getting bills again. This is also where the wardrobe resolution comes in for me. It helps me avoid frivolous and impulsive spending on things that I just don’t need.
Another thing we will need to learn to do is say “no” more often. This past weekend, for instance, we spent $75 on dinner night which was fine, but then we ended up going out and spending another $50 on a cover charge at a bar, drinks, & ATM fees. We ended up having to decline an invitation to August Hill for an Ultimate Wine Taste & dinner because it would've been another $75+ day for us and we can’t and shouldn't be burning through money like that. This will be the biggest challenge I think for us because right now, being childless especially, we have the time and we enjoy going out. Don’t get me wrong, we enjoy our commitment free weekends too and bed at on a , but life is busy sometimes, especially at our age, weddings, baby showers, milestone birthdays, vacations, weekend getaways, camping trips, etc. It all adds up.
For someone like me (& Joe unfortunately) who spends impulsively, I’m ready for this challenge and ready for the adjustment. We are also planning on a large garden for our own homegrown produce that can be canned and frozen and of all things, healthy! I’d eventually like to have chickens of our own for eggs, and Joe wants to keep bees, all things that will help us live within our means, but will also be rewarding for us. I'm sharing this so that I can better hold myself accountable to these changes that we are going to make, and I'm always open for suggestions too!