start saving money

I know. I need to write a budget. I need to cut back on the unnecessaries. I should stop drinking so much beer too. But life is too much fun not to live it! How can I compromise?

I spend too much money.

I need to learn to save my money so that I’ll have money for things I want because I buy manga a lot and video games and art supplies and when I don’t have money things come out that I want/need and I can’t buy them.

I also need to learn the value of a dollar. ^^;

I had to dip into the savings account, which bums me out. I am goingg to try to repay that money asap, but its still money lost since instead of just repaying I wanted to actually add to the savings account on payday. Oh well, still have a tiny start. I just found that the IRS approved a tax incentive for new homebuyers that purchase in 08 or 09. Its a $7500 credit! I have to read the information still, not quite sure how it works but I am still excited. http://activerain.com/blogsview/628006/New-First-Time-Home

I opened up a savings account that is not linked to the checking account and is harder to access. I am hoping that I didnt get too eager and put in too much to begin with, might have to take a little back out and put it in the checking but it will still be a good start. I am planning on depositing every month and any windfalls.

I went ahead and got a new high interest savings account – now every month a painfully large slice of my paycheck pie automatically gets transferred there.

It’s time to jam encono for the next few months. It’s not all about just squirrelling money away but it’s also about being smart with the basics: food, travel, bills…

A pain in the arse it may be but it’s going to be worth it – got to keep my sights on the end result!

my oh my.

I have to admit that bugdeting myself was painful, literally! I just told myself that I was going to put so much of my paycheck into a savings account each month; the first month or two was hard, I was so attached to being able to buy whatever I wanted at the time. But now I can see that having that sense of financial cusion is so much more rewarding.

Damn Damn Damn: repairs, maintenance, necessity.

I just bought this piggy bank, and I put all the scattered bills inside my bag in there. There! :]

This goal has been lingering around on my list, and I have always said I wanted to start saving money, but havent given this enough attention. I wish I had made a concerted effort much earlier, and now am going to start working on my budget. I have a great budget program on my computer that I am going to learn how to use today. I work for the state of California and it was announced today that Gov Arnold wants to cut wages for 200,000 state employees until a new budget is signed. The state has a 15 billion dollar deficit and the budget is 23 days late right now. This could potentially effect my August paycheck and I am scared. It would take me down to Federal minimum wage which is 6.55 an hour and I definately can not live on that. I am in the process of trying to buy a house and wonder now if I should even move forward with this or how it will affect that outcome. I wrote to the Governor today to tell him that I feel like my center is overstaffed, which has actually been something I have thought for a long time. We have people sitting around doing nothing, 5 to 7 people a shift doing the work that 3 to 4 could do far more efficiently. So now I am feeling guilty about trying to off fellow workers. But I do believe its a serious drain.

I need to get over the compulsion of spending money on other people.