We’ve all heard that necessity is the mother of invention. I found this to be very true when we moved into our new place and I wanted to get all sorts of new stuff to decorate but (you know how the story goes) I couldn’t because I’m on spending lock down.
Guess who had to get crafty. Yep. Me.
Our new bedroom is all white with hardwood floors so I wanted to make it a little more exciting. If I could’ve I would’ve blown my paycheck at Anthropologie and on Etsy by now getting things set-up just so. Because that makes sense of course.
For some reason I’ve loved all the banners that I’ve been seeing lately. They are fun and whimsical and just cute.
Like this one:
And this one:
They just have a way of making it seem like a good party day even if it’s just a regular old Thursday.
To me they say “Enjoy Today” and “Enjoy The Everyday” because really, we all know that life is made up of the small things… not the huge and exciting or even terribly terrible things but the stuff that’s right in the middle. That’s where most of life takes place… in that normal everyday non-eventful space.
This is my computer paper, string and scotch tape banner. I just folded the paper in half and cut in into triangles along the fold so the triangles would have a place to rest on the string. I set the many triangles on the string and taped the sides together so they stayed put. And there you have it – a zero cost banner!
It’s kind of nice going with the minimalist (almost) all white decorating scheme. It feels light and fresh and cool which is just perfect for a place with no air conditioning.
Month 4 is complete! I can’t say I conquered it like the last 3 months of the Spending Fast though.
April was a rough one. We moved across town. My sister had a sweet little bundle of cuteness. (see him below! oh!)
And a lot of things required money this month… I saw my money fly out of my hands faster than fast.
Before I get too far into the busy details of what happened in April I should tell you that I saved a measly $30.93! (for the total Spending Fast savings so far go here)
Really that’s a lot closer to what I thought I would be saving per month when I started the Spending Fast back in January. Anything over that has been a surprise… but I have been getting used to saving a certain amount and this low amount feels like a bit of a blow.
If I didn’t have this blog to keep me accountable I would’ve given up on this whole saving thing long ago. Because why not? It’s not like it’s fun. I just want to be out of debt and I was hoping to make the process a little less painful by sharing along the way. I must thank you for your support and for reading along while I try to do this and watch while I have some success and some mess ups along the way. If it wasn’t for ya’ll this would be over very quick. So, thank you for reading and encouraging and reading some more. It really does help a lot and it means a lot too.
Well, back to the task at hand… what went wrong with April?
I went to Roller Derby bout with complete disregard for the grand ol’ Spending Fast (see this post)
I went over my husband’s “fun money” budget by $13.15 (see this post about why I made the allowance for this)
Made an impulse decision to fly out and see my new nephew the day he was born because I couldn’t stand not being there with my family. Oh. that sweet baby smell was worth it!
Had the Silpada party (see this post) and I ended up spending more money on the treats then I was planning on but that was worth it too… more on that later
Moved to new place across town which meant a security deposit, transfer fees and other miscellaneous costs of getting the place set up but I think I’ll end up saving a good chunk of money with the change of residence
Went on a weekend trip up to the mountains with some friends at a lodge and paid my share of gas and other stuff
Co-pays for doctor. Ended up going more than anticipated. Everything is ok but still that adds up.
So all in all it was a crazy busy month and I think that’s all that went wrong and that’s why the savings is so pitiful. Business and survival and getting stuff done. I suppose not every month can be a $900 savings month and its about progress right?
In the middle of the month I jokingly told my sister that I was only going to be saving $25 bucks this month (didn’t realize how close I was going to be with that guess) and she wisely said “Slow and steady wins the race.”
So true sis. So true.
So today I’m trying to be okay with being a turtle and accepting where I’m at with all this. Bah.
Meditation. I’ve been trying to convince myself to mediate for oh, let’s see, like a good 3 years now. I’ve heard about the benefits of it and it really makes sense to me to utilize a free resource that could quite possibly be really great. If I could just convince myself to do it regularly that would be awesome. Every once in awhile I’ll have these little bursts of motivation to meditate. I’ll do it for a bit and then get distracted and forget all about it and then remember about it again and it just goes on and on like that.
I have a friend whose parents are both around 90 years old. I asked her what their secret to the long life is and she said that back in the 70′s they started doing transcendental meditation and that they each meditate for about an hour a day!Say what!? That’s crazy that they’ve been meditating fot that long. And I guess they have relatively few physical/mental problems too for their advanced years.
Meditation sounds like a good idea to me. I guess that’s why I always find myself starting it and then I forget what a great idea it is and then there it goes. It’s not that I have anything against meditation it’s just that I can’t seem to find any consistency with doing it with any sort of regularity.
The reason I bring up all this meditation business is because I’m finding that when I have a ton going on (like now) that my default is to want to make things easier on myself by spending money on the things that make life easier. Yeah. totally makes sense. Not being sarcastic. I mean, it’s really easy to not spend money in the winter when no one is really doing anything except watching movies indoors but now that it’s really nice out and there is a lot going on there are so many opportunities to spend money on things I really shouldn’t. I thought the Spending Fast was already hard as is but it feels like it just got harder.
So, I think I’m going to try walking meditation or running meditation (it’s hard to sit still huh) so hopefully I can center myself and resist spending money a bit easier.
So, I have to confess. I fell off the Spending Fast wagon and went to a Roller Derby bout. It was $17 bucks and it was so much fun! It was the Rocky Mountain Roller Girls Vs. Albuquerque. A group of girlfriends were going and I, well, just bought a ticket. I didn’t resist it. I didn’t even put up a fight with myself in my head. I just wanted to have some fun with them so I bought a ticket and went. It had been too long.
Well, I told you I’d tell you so, there you have it. I told you.
Actually, I think since I’ve given myself the “allowance” to spend $35 per month on the hub that it’s been harder to not spend then when I wasn’t allowing any myself breaks at all. Spending the money on the hub is a bit of a necessary evil because the fast was causing so much unwanted strife with us.
Part of me thinks that it’s a good thing to have to allowance even though I don’t really want to because I’ll need to be responsible after the fast and this is a good way to practice that.
While I don’t want to be a “fit” for Debtors Anonymous OR Spenders Anonymous I have more check marks for the Spenders Anonymous checklist than the Debtors Anonymous checklist.
Compulsive Shopping Checklist
Do you “take off for the stores” when you’ve experienced a setback or a disappointment, or when you feel angry or scared? Yes in the past
Are your spending habits emotionally disturbing to you and have they created chaos in you life? kinda, yeah. i guess that’s partly why i decided to do the spending fast… to get the chaos controlled…
Do your shopping habits create conflicts between you and someone close to you (spouse, lover, parents, children)? Yes, the non-spending has too
Do you buy items with your credit cards that you wouldn’t buy if you had to pay cash? yeah
When you shop, do you feel a rush of euphoria mixed with feelings of anxiety? yes
Do you feel you’re performing a dangerous, reckless or forbidden act when you shop? in the past i’ve know i shouldn’t spend money but did it anyway, so yes
When you return home after shopping, do you feel guilty, ashamed, embarrassed or confused? guilty, yes and ashamed too because it meant that money wasn’t going to pay off past debts and spending the money meant it wasn’t going into savings either
Are many of your purchases seldom or never worn or used? no, not usually
Do you lie to your family or friends about what you buy and how much you spend? i have
Would you feel “lost” without credit cards? no
Do you think about money excessively – how much you have, how much you owe, how much you wish you had – and then go out and shop again? yes, i did
Do you spend a lot of time juggling accounts and bills to accommodate your shopping debts? not now but i have in the past
Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!
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