Oh, I left ya hanging

I am a bad blogger girl. I totally started on the Spending Freeze only to take off on a Summer break. Naughty! eh…as you know, I will get there…eventually.

The first fifteen days were awesome. I was on track, bills only being paid and the occasional item from the grocery store.  Then, I had a flare.

As well all know by now, my addiction is money. I has it, I spend it.  With the triggers set off, I went cray cray. The last part of the month was a nightmare. What I learned is that my spending habits are triggered by boredom, pain, depression-like symptoms, and the “I just want to feel better” excuse.

In order to prepare myself for another round of this in March, I have to start dealing with these triggers now. So with a bit of research on the interwebs, I found an article on keeping a food mood tracker. (and I lost the source). The author suggested to add four labels for the degrees of eating…(n) for normal, (f) something fun, special occasion, (m) for mindless eating and (b) for a binge.

Princess Fergie (one of my fave peeps btw), once said, while being a brand ambassador for a weight loss company, that “once you get your weight in proper perspective, money then follows right behind it” (very, very, very loosely translated). This simple lettering system can help me with not only my food journal but my spending as well.

Beginning October 1st, I will have a separate passport sized expense tracker just for this newest challenge I have for myself.

What has worked for you to keep your spending in check?

Finance Tracking

Photo by Kaboompics.com

Is it cold in Here?

Are you ready? Today starts the Spending Freeze challenge!!! Meals are prepped, all income for pay periods are accounted for and my cash flow is to zero. Let’s get this party started!

Just a quick reminder, follow me on Twitter for some daily commenting on this journey, plus there will be an upcoming YouTube video reviewing how I’m doing on my first ten days of the freeze.

We. Can. Do. This.

#DFKFreeze2016 #31dayslwsz

#DFKFreeze2016 #31dayslwsz

My Do’s and Don’t for This Month

Do –

  1. Cash Flow Budget Loaded into Everydollar
  2. Since I am not participating with the “Eat Only From Your Pantry”, I will be menu planning my breakfast and lunches. Due to my family situation, groceries are part of my cash flow and I do not consider that spending, it’s a budgeted item
  3. Consider this a game, the goal is to save at least $100 to add to my emergency fund.
  4. Have fun.
  5. Use what you got.

Don’t

  1. Don’t give in to deprivation thinking. This will make you spend.
  2. If you are stressed, go for a walk
  3. You can shop, you just can’t spend.
  4. Keep a daily log if you need to see what you may have spent that day.
  5. Don’t use sink funds to pay other items.

Here we go!