Monday, March 22, 2010

One step forward, Two steps back

So much for "i am so frugal and can help others". Few days ago found out, that I overdrew my account by, let's see, 175 dollars and it was a week ago.

Excuse - I was verrrry busy at work and it was the craziest time of the year

Truth - I hate looking at my finances. I have huge credit card debt and it is not going down as easy as I would like it. If I stick to my plan, I should pay it off in 4 years. But I have not been able to stick to my plan, so it is not where it should be. Yes, I'm watching my finances and not spending much, but so unhappy to see my current situation. As a result, I am missing my due dates for credit cards and, I guess, now I ignore my checking account as well.

Tuesday, March 16, 2010

All the things I never do

Tough shit. Nothing is easy and I do too good of a job finding excuses why things will not work. It stops here and now. Ha! Like it is that easy. I am a master of excuses with over thirty years of experience. (Put that on the resume) I have two kids under 3 years old and I have no time for anything. Get them home, make dinner, feed them, bath, dress, put to sleep, prep tomorrow lunch, Browsing internet, pass out somewhere. Right? I have problems loosing weight and I have hypothyroidism. I am trying to live frugal life. I am not making my own soap and shoes, but I rarely go out to eat and and carefully consider my expenses. I think this is the only one thing I sort of mastered ( I probably can do better). The biggest problem I have is to be consistent and what ever I do.

Here is what I want to do - I want to do all this thing I never have time for

Loose Weight
I am not going to the health club. Just because it is open 24/7 it doesn't mean I can go there. Not like I can actually leave kids at 9 or 10 PM and go to the gym. Nope! It costs $35/month
Even if I buy something new every month to keep me going, I can still do it cheaper than that. I did buy WII and WII Fit. Worked out for 2 months and got no results. Got frustrated. Quit. Scratch that. Temporarely stopped.

I have more stuff.
Organize my one bedroom condo since 4 of us are living here and can't really do anything about now. I want to simplify to make it easy to maintain and let's face it - single child does not need 50 toys and most of us have much more than that

Polish CDs. My 2 year old needs to handle every CD and DVD personally, so I have a whole bunch of discs that are messy scratchy, so I would like to give it a try with the handy dandy machine I got for 20 bucks at Target

Frugal life
I do some smart choices and probably can share some ideas how to save few dimes

I do have some more stuff and I will add it later. However, I will need help deciding what project to pick next.

So, before I pass out (as I normally do)