I am going to take the advice of TeacHer and Smallstepsforbigchange and put most of the money in savings ($1000) and use a small portion for debt repayment ($500).
I am also working on becoming more responsible with the little bit of extra money I get, so with the $400 I had left over after I paid bills I kept $100 for shopping and am going to make a $300 payment to my MasterCard.
This is how I spent the $100
$35 - Petsmart
2 boxes of cat litter (Need)
Cat Food (Need)
I saved $4 by using my PetPerks card
$14 - Jo-Ann
I saved $2.80 by using my 40% off coupon.
I am making coffee cozies as Christmas presents for my coworkers, each one will cost me $2.80 to make. Once completed I will post them on my other blog.
$39 - Walmart
Frozen Pizza (Want)
Frozen pre-cooked, pre-cut, chicken breast (Need)
Mozzarella Cheese (Need)
Chicken Slices (need)
2 Cadbury Chocolate Bars (Want)
2 packages of wraps (Need)
A Pomegranate (Need)
Cesar Salad Dressing (Need)
Parmesan Cheese (Want)
I am usually a Target shopper, since I am trying to get my financial life in order I have decided to get off my high horse and become a Walmart shopper.
I realized that I would stop wasting so much money on junk food if I would make and bring lunch to work. If you couldn't tell from my shopping list, this week is chicken cesar wraps and a little baggie of either Oreo's or Ritz. If I had only bought needs I would have saved $15. Maybe next time I wont buy desert.
As you can see I have decided to break everything I buy into the categories of wants and needs. This way I think of every purchase before and after I make it.
Student Loan Progress
1 month ago