For where your treasure is, there will your heart be also.
Financial discipline has always been a little bit of a problem with me. Not that I’m delinquent on any bills–I have never missed one in my life, whether it be rent, mortgage, car, utility, Internet, credit card, insurance–but I don’t really save.
I also ran into some tough times of joblessness, and took time during one bout of joblessness to go back to school. And how does one fund this, even with a wonderful wife who works very hard?
Why, by selling personal possessions, using savings, and going into debt.
What kind of debt? Credit card debt.
Now, this credit card saved me a few times, and as I said I have never missed a payment. It’s just been difficult to pay off the whole thing, even though I (a) use it for staples like things my son needs, gas, food, clothes, (b) use it for situational things that come up (birthday or other gifts for family, medical bills, car repair), and (c) pay more than the minimum due every single month.
But I am yet to get it down to zero.
Just as a way of background, in my previous job-search blog, lost unfortunately to the sands of time, I wrote about this issue a little over a year ago when I had just started this current job. I had saved some of my posts in Word format, so they aren’t totally lost in the ashes of an inadvertently deleted WordPress blog:
Regarding food, let’s just say that it’s been a little tough, given my penchant for the stuff, but it’ll be good seeing as how I really would like to lose a stubborn 20 or so pounds I put on since I last shed a whole bunch of weight. I figure $150 should keep me going for a month, provided that I don’t eat out too much, buy coffee outside of the house, lay off of the alcohol and the cigars, and generally spend frugally
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All told, I’m doing alright so far. Food-wise, I’ve been portioning everything out and meal-planning well in advance. Here’s what I did: I bought a three-pack of pork chops, a four pack of chicken breast, two cucumbers, six tomatoes, a bag of onions, a little garlic, three bags of frozen vegetables, a rotisserie chicken, salt, pepper, lemon pepper, four cans of tuna fish, four boxes of soup, a dozen eggs, a bag of apples, a half-gallon of milk, a half-gallon of orange juice, a box of cereal, and a huge can of coffee. Most, if not all, of this was store brand, and good Lord is the price difference shocking! And guess what? There is barely a perceptible difference in taste. I swear I saved over thirty bucks just by buying generics.
So I hard-boiled the eggs to have for breakfast, ate half of the rotisserie chicken that day, the other half the next, grilled three pork chops with onions and steamed the broccoli which, so far, has lasted me two days and will suffice again for dinner tomorrow. I’ve also been portioning out my salad because, come on! Greek boy’s gotta have his salad. And then an apple serves as desert. A little Spartan, yes, but I have family from there and I need to be as frugal as possible. I’m trying really hard to turn over a new leaf now that I have a job that pays MORE than I could have gotten right out of undergrad, pay down my debts, and save. The idea isn’t to just save a nickel, it’s to make a buck while saving a nickel!
As you can see, this has been a concern of mine for a while. Continue reading “Heart and Treasure”