Diving into debt free

There’s no easy way to learn how to dive. Well, at least there wasn’t for me. There were countless belly flops and water up the nose. Over the course of the summer, and what felt  like ‘forever’ in the mind of a child, I overcame. Once I mastered the skill, I could dive, dive, and dive again. It was a dually amazing and effortless feeling to reach my goal.

Similarly, there’s no easy road to debt free. I’ve ‘belly flopped’ through high food expense weeks, hell months(!). I’ve had ‘water up my nose’ every time an unexpected emergency expense occurs. But, I’m proud to say I didn’t give up.

This Friday I’m officially diving into the Debt Free pool… Continue reading “Diving into debt free”

Wisedebther Weekly Spending 2/11/18-2/17/18

Happy Sunday! Like most evenings this month, the Olympics are on in the background. I’m in absolute awe of these games! The athletes’ dedication and talent certainly inspires me to achieve my own goals–ahem, debt free ;).

So, spending this week. As a non-rent week, it should be low . And the actual total is not too terrible, but I’m not gonna sugar coat it, there is still much to be desired! I’ll get into the numbers below, but I have to leave a disclaimer. There are a few expenses NOT shown in here, and one is for an odd reason. I bought The Simple Path to Wealth and pre-ordered Meet the Frugalwoods: Achieving Financial Independence Through Simple Living  on Amazon and accidentally used my partner’s CC as opposed to mine. Thus, we adjusted some of food expenses that he owed, meaning it’s higher overall, and the book expenses are not reflected. This is because weekly expenses are my expenses, not our total household. Phew, now that we got that out of the way, here is the weekly breakdown :

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Wine & Wine: Said Yes to the $90 dress !

Happy Valentine’s Day! I’m gorging myself with some delicious chocolates and watching the Olympics tonight, as my partner is working. I’m not a big Valentine’s kinda gal, but I do love the sweets. So, even if he was here we would probably doing much of the same!

Today, I have a very Valentine’s Day appropriate Wine & Win! It’s all about how I got my wedding dress for $90. Yep, you read that right NINETY DOLLARS.

So you guessed it, I’m getting married ! Nope, no date set. Not a venue yet either. I won’t have a bridal party or a shower or a bachelorette too. In fact, we’ve decided to buck most traditions. The wedding itself will be limited to immediate family members + one of my fiancé’s best buds, that might as well be immediate family too. We know it will be at a local hotel, hopefully near the water, and other than that there’s quite a bit that is TBD.

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Wisedebther Weekly Spending 2.4.18-2.10.18

Sunday relaxation… the best. The weekend in my neck of the woods has been a mix of relaxing and the drudgery that can be chores. Luckily, listening to Podcasts while doing said chores saved the day and snapped me right out of my snarky attitude and back into a place of gratitude. There are many times in my life when just having a Sunday off would have been something to be grateful for! Trying not to forget that. Alas, chores are done (mostly), taxes are not (that’s OK), and I’m ready to tackle the week ahead.

In the spending department it was a relatively low week, particularly compared to week one of the month, which is universally spiked due to rent.  Here is how it went down :

Entertainment: I’ve held on to my Audible membership, albeit at a lower membership rate.. I’m a “Silver” meaning I get one credit every other month. My last choice, was very underwhelming. I’m unsure if I’m going to hold on to this much longer. Let’s see how this month’s credit goes, been thinking to try out a Brene Brown book…

Cashew the Cat: Every 2-3(ish) months Cashew the cat gets an order from Chewy.com…We LOVE chewy ! The order consists of : 1. His special medicated food for his urinary tract problem. 2. An order of Litter  + 3. A “treat”, usually a toy. <–This last part of course is not a “necessity”, but it allows us to get free shipping + helps me keep my sanity. This cat, to put it nicely, is a bit high maintenance. His hunting toys tend to get damaged pretty quickly…he takes playing VERY seriously. Toys that he likes/simulate the “real world” = less damage to my furniture = happiness for all. Spoiled is a word he knows very well.

Food & Drink: A vast improvement from the week prior, and just in that sweet spot before it gets too high for comfort. Ideally, I’d like to see this expense in the lower 70 range, but I’ll take it. My partner has been working nearly every day, so considering I’ve been doing the list and shopping solo, I’m impressed! Food as I’ve discussed in my Debt Free Diet Part I and II has been my Achille’s heel in the journey to debt free. The fact that I’m at a point that I can manage this (almost) independently is a big giant step in the right direction–moving beyond those baby steps now !

“Funtivity”: Not much to report here, a “tip” for Super Bowl Sunday wings + an iced coffee at my local coffee shop right  before I dived into a few hours of “catch-up” weekend work.

Self-Maintenance: I ordered a pair of wedding shoes from DSW. They are white and pretty simple, just like my dress…which was only $90 !!!! Hopefully they fit, if not… back to the warehouse they go.

Miscellaneous: I think this is my third(?) week in a row with a misc. expense, meaning the category that is causing it (GIFTS!) should probably be given a line of its own. This time it was 4 greeting cards– three birthdays, and one Valentine.

Off to catch up on my fav Personal finance blogs, watch some Olympics, and sip a glass of wine. Sending good vibes for the week ahead !

Wisedebther Weekly Spending 1/28/18-2/3/18

January was gone in a flash ! Lucky for me this weekend was an EXTRA long one. My mom visited from Mass. and although she left this morning, I have the rest of the day off to play catch up, both with cleaning and my finances.

Compared to last week, this one was a heavy hitter in terms of spending. The beginning of the month signals rent due, plus with visitors I always tend to spend a little more on groceries to make sure we are stocked with both essentials + “fun” foods/drinks. The detailed numbers are below:

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