Personal Note from Clyrese
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| The look I made when I realized how much Money I was wasting. |
Every week for about six months my son and I had a routine. It was as follow along with how much I was wasting...
Breakfast
Wawa Coffee $1.39
Wawa Sizzler (breakfast sandwich) $2.39 x 2= 4.78
OJ Tropicana $1.09
$7.26
Lunch
Wawa Shortie (sandwich) $4.39
Work Cafeteria Dining $2.00 x 4= $8.00
$12.39
Dinner
Take Out $25.00
$44.65 per week
$178.60 per month!!!!!
Can you imagine that!!! No wonder where my money was going. Utterly ridiculous!!! I was upset with myself when I calculated this money. I demanded myself to practice discipline when it comes to food. I did! I stopped drinking coffee and bought tea and went to bed earlier. I prepared breakfast and lunch the night before instead of spending $13.00 per week at work or Wawa. Guess what I lost 10 lbs. I got two bonuses in one! Who can bet that kind of deal, 2 for 1!
Now I didn't eliminate it all cold turkey! Heck no! I treated my son and I twice a month to something we like. On week Wawa breakfast treat, another week, take out for dinner. I stopped going to the EDR (Employee Dining Room) completely, because there was always something I like and had to get. So instead I ate in my car or some other place in the facility where I wouldn't be disturbed.
Now I didn't eliminate it all cold turkey! Heck no! I treated my son and I twice a month to something we like. On week Wawa breakfast treat, another week, take out for dinner. I stopped going to the EDR (Employee Dining Room) completely, because there was always something I like and had to get. So instead I ate in my car or some other place in the facility where I wouldn't be disturbed.
Discipline
Discipline is a behavior that is judged by how well it follows a set of rules or orders.
When budgeting you are giving yourself a set of rules and standards that you are forced to follow. The only person who is judging you is you. So if you set a budget for yourself and and you go above that budget you are the one to blame. For example. You set a budget for your food bill, $200. (Can you tell I still like a good meal.) You take your children along with you when you go shopping. Every isle, each child ask for something that is not on your list you put yourself at risk of going over your budget. Believe me I know, I did it myself. So I started going shopping without my son, I went shopping when he was at school or with the sitter. I was able to stay within my budget. And saw myself saving.
How???
You may be wondering how can I do all these thing. Well, here are some tips...
1. Track your spending so you can see where your spending your money.
2. Once you determined where your money is going deduct, reduce, and ELIMINATE expenses that are not needed. Refer to our previous blog about Keeping Up with the Jones'.
3. Tell yourself no! I don't need that right now!!! This is hard when you want something really bad. What helped me was telling talking to myself. I told myself, "Clyrese, now there is something that you need to take care of right now. So can this extremely cute blouse wait another week?" If the answer is yes, then wait that extra week or two.
3. Tell yourself no! I don't need that right now!!! This is hard when you want something really bad. What helped me was telling talking to myself. I told myself, "Clyrese, now there is something that you need to take care of right now. So can this extremely cute blouse wait another week?" If the answer is yes, then wait that extra week or two.
4. If you are still unclear about how to discipline yourself, or your just having a hard time call us, Financial Bondage Broken for a free consultation. One of our coaches will sit down with you and have a one on one discussion on Finances, budgeting, and planning.
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