I knew that I was spending a lot but I wasn’t really sure how and thus, couldn’t really figure out how to cut back.
While laying in bed doing nothing, I found an app called Mint and after categorizing each transaction from my one credit card… I now know.
Ignorance is bliss because oh my goodness.
As you can see… I’m in the hole. In my defense, I did go on a big vacation in December but it seems I still haven’t pulled out of it. In the pie graph is also seems I really enjoy shopping.
The good news is things like shopping and eating are easy to identify what I need to do to stop these spending habits. For shopping, I just shouldn’t be buying frivolous stuff. I think I’m still going to keep doing Stitch Fix. My last fix was in January but I have one coming to me in March.
I don’t need to keep buying things like Kate Spade purses or cardigans though. Fact of the matter is I only get to dress up on vacation and the weekends so I need to start buying stuff in that manner. Even makeup is pointless.
I already know my fast food habits are disgusting but it’s even worse to know that the cost of it is adding up. I can definitely make groceries last two weeks with 100 dollars and with fast food twice a day, I blow through 100 in one week.
Traveling is also something I adore but I know I splurge on hotels and dining. Also, I really under utilize things like groupon and coupons. In my mind, I know what I want to do and I just buy that option instead of shopping around or investigating cheaper vacations.
In my opinion, this is such a classic 23 year old thing to do. I’m just so blinded by getting a real paycheck for the first time in my life I really just acted like a kid in a candy shop.
Also, I’m lazy.