The 2nd Week
Well, I have to admit, it is hard to do the budgeting. Imagine, right into the first week of my "Road to Financial Freedom", I was hit with a problem. Tyrese, my youngest still had a fever, and it seemed like she actually would have to be confined.
Well, all budgeting flew out the window, and I took out an emergency loan. Darn it, when everything was already planned, I get hit by financial crises like these.
Okay. Did I just get an insight as to what may possibly happen, and how to better prepare for it? Yes. I have to admit, while all that was going on, I let a bit of myself get away. I felt a little pinch in my heart the same way when a certain Mr. Perfect said the other day that he was irritated because he was supposed to purchase this gadget from an office mate who was wishy-washy in decision making, was set that he wasn't going to get the gadget, and then eventually the office mate decided he would sell it to Mr. Perfect. Well, Mr. Perfect got irritated because he spent a little part of the money. Well, that "spent" was on me.
But all that aside, unplanned expenses really do put a dent on the budget. I also felt that since I had budget to go out, I was excited every time there was a possibility to do so. I guess it's just the fact that I've had the opportunity to keep money for myself. I've never felt that before. That for expenses, I wouldn't have to worry about where to get my expenses like fare, food for work, that kind of thing. That for load, I don't have to worry about where I'm going to get load. That for immediate finances, basically, I don't have to think about where i'm supposed to get them. Back in the Jonathan days, even fare would be a problem. We would worry about how we're supposed to get to work, we would worry about how we're going to eat once we're at work. I'd resolve to borrow money for the day, and Jonathan would pressure me to borrow money to cover for the week's expenses. It's really very stressful, I hate it.
This coming payday, I must be a little more strict on myself that usual. The cab ride is added expense for me, but if I stick to my oatmeal diet, which I should anyway and partner it with something protein like chicken or meat (which I still need to figure out where to buy when I'm at work. Actually a sandwich would be a good option), I'd be able to fit in that cab ride. Ric should be okay with that. After all, it splits his cab ride into half if he thinks about it.
So this payday, I'll need to work out exactly how much my loan is going to be. I'm going to be in a bit of a bind this payday and I'm going to have to scrimp here and there. But I will need to darned start a bank account.
One realization:
If you want to be able to start saving, you'll need to put your initial money in a bank account.
Why? Simple. Because the money is there and readily available, that means you can easily get it. So if you're easily swayed to spend impulsively, a bank account would be a good way to get those savings going.
I'll have to pretty much schedule our outings, but basically, I know I can't this week because I'm expecting to get my period. I better get my period in check, it's also giving me a headache.
So I figured, if I'm going to start something, I'll really need to keep my money in a place where I'll be unable to have easy access to it. Preferrably a bank. I know I can't start now since I don't have enough funds to start a bank account yet. Frankly, I'm a little bit disgusted with myself because I let my finances escape me. I shouldn't have, but I did. I'll need to go to Sta. Lucia later to take care of a couple of things later.
Another Realization, but this I gathered a few weeks ago:
Life without Jonathan is financial freedom.
When i was with him, I didn't have the opportunity to save money. We didn't have internet connection. Spending 1,200 on a plug it device was crazy and was an additional expense that we could have done without. But now, without him, I have access to the Internet because I can. And very soon, I'll have access to other things because I've budgeted it. Given that my pay doesn't go lower than 11,000! LOL... Oh life, the things I have to take care of for the next three months. I'll need a yaya. Ugh. Another expense. But oh well, that's the way it is.
Well, all budgeting flew out the window, and I took out an emergency loan. Darn it, when everything was already planned, I get hit by financial crises like these.
Okay. Did I just get an insight as to what may possibly happen, and how to better prepare for it? Yes. I have to admit, while all that was going on, I let a bit of myself get away. I felt a little pinch in my heart the same way when a certain Mr. Perfect said the other day that he was irritated because he was supposed to purchase this gadget from an office mate who was wishy-washy in decision making, was set that he wasn't going to get the gadget, and then eventually the office mate decided he would sell it to Mr. Perfect. Well, Mr. Perfect got irritated because he spent a little part of the money. Well, that "spent" was on me.
But all that aside, unplanned expenses really do put a dent on the budget. I also felt that since I had budget to go out, I was excited every time there was a possibility to do so. I guess it's just the fact that I've had the opportunity to keep money for myself. I've never felt that before. That for expenses, I wouldn't have to worry about where to get my expenses like fare, food for work, that kind of thing. That for load, I don't have to worry about where I'm going to get load. That for immediate finances, basically, I don't have to think about where i'm supposed to get them. Back in the Jonathan days, even fare would be a problem. We would worry about how we're supposed to get to work, we would worry about how we're going to eat once we're at work. I'd resolve to borrow money for the day, and Jonathan would pressure me to borrow money to cover for the week's expenses. It's really very stressful, I hate it.
This coming payday, I must be a little more strict on myself that usual. The cab ride is added expense for me, but if I stick to my oatmeal diet, which I should anyway and partner it with something protein like chicken or meat (which I still need to figure out where to buy when I'm at work. Actually a sandwich would be a good option), I'd be able to fit in that cab ride. Ric should be okay with that. After all, it splits his cab ride into half if he thinks about it.
So this payday, I'll need to work out exactly how much my loan is going to be. I'm going to be in a bit of a bind this payday and I'm going to have to scrimp here and there. But I will need to darned start a bank account.
One realization:
If you want to be able to start saving, you'll need to put your initial money in a bank account.
Why? Simple. Because the money is there and readily available, that means you can easily get it. So if you're easily swayed to spend impulsively, a bank account would be a good way to get those savings going.
I'll have to pretty much schedule our outings, but basically, I know I can't this week because I'm expecting to get my period. I better get my period in check, it's also giving me a headache.
So I figured, if I'm going to start something, I'll really need to keep my money in a place where I'll be unable to have easy access to it. Preferrably a bank. I know I can't start now since I don't have enough funds to start a bank account yet. Frankly, I'm a little bit disgusted with myself because I let my finances escape me. I shouldn't have, but I did. I'll need to go to Sta. Lucia later to take care of a couple of things later.
Another Realization, but this I gathered a few weeks ago:
Life without Jonathan is financial freedom.
When i was with him, I didn't have the opportunity to save money. We didn't have internet connection. Spending 1,200 on a plug it device was crazy and was an additional expense that we could have done without. But now, without him, I have access to the Internet because I can. And very soon, I'll have access to other things because I've budgeted it. Given that my pay doesn't go lower than 11,000! LOL... Oh life, the things I have to take care of for the next three months. I'll need a yaya. Ugh. Another expense. But oh well, that's the way it is.
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