I came to the realization recently that I am very broke, & I have no idea where my money is going. I live paycheck to paycheck & feel like my debt is forever increasing. I have absolutely no savings.
I took this month to breakdown every dollar that I spent…..& it was bad. Really really bad.
I’m ashamed to even post this… but maybe the shame will make me change my ways?
From this study, I’ve concluded I spend way too much money on alcohol & eating out. I’m essentially throwing money away on hundreds of dollars of fees that I could avoid entirely. I also have way too many random shopping fees. I tend to spend a lot of money on energy drinks, water bottles & snacks which I feel is hurting me financially.
My credit score is definitely suffering. I’d like to work on getting it back above 700.
Goals for October
- Cut back on eating out, alcohol, & random shopping purchases
- Avoid unnecessary fees
- Pay off $200 of credit card debt
- Get a new job
Soo hopefully October I will behave better? We shall see.