As I was dancing around my house yesterday, preparing for the new year, Swizz Beats song “She Ain’t Got No Money in the Bank” came on and I couldn’t help but to giggle to myself because he could very well be talking about me. A couple of months ago I began taking a really hard look at my finances and spending habits. I saved receipts and totaled them up monthly. I studied my account on Mint.com to see where I spend the bulk of my money. And I also began carrying a notebook with me wherever I go to record my expenditures. Needless to say, I was on a mission. Unfortunately, like many of my personal missions, my motivation waned after a couple of weeks and the newfound “Get your money right!” habit fell by the wayside. But I’m baaacck… and with a vengence.
I have titled my plan “Operation F-Cubed” – Fit, Fine and Fabulous. I am combining the areas where I am most challenged and I am boot camping myself. Ha! I think I just made up a new word. You see there simply is no valid reason why (even with my teacher’s salary) I should not have more money in the bank or why I haven’t already achieved my ideal weight. There is no reason why I should not be able to take trips when I want or pay off my debt (excluding student and car loans). It was time for me to admit that my spending habits are preventing me from having the life I truly desire. Also, I realized that I don’t want to teach forever. At least not in the public school system, but if I continue to spend and not save I will be stuck in a job that hinders my growth as writer. No bueno!
So I am on a mission. A serious mission to change my habits! So starting today I am fasting. My first fast is a spending fast. I will not purchase anything at all during the month of January unless it is a necessity like food or gas. This includes all the little purchases I am so used to making like getting snacks from the snack machines at work or a Wawa coffee. Those small purchases add up! No more! My second fast is a sugar fast. Down with sugar! And whoa baby is this fast going to be difficult. This month I will be fasting from pastries and baked goods. This fast is going to be the most challenging for me because I crave sugar like nobody’s business. However, because I know how quickly I can backslide I am going to do this fast over a course of six months, gradually adding more sugary items to the list.
That pretty much covers what I will be doing over the next four weeks. I purchased two finance books to help me on my journey: The Frugalista Files by Natalie McNeal and The Power to Prosper: 21 Days to Financial Freedom by Michelle Singletary. I haven’t purchased any books on eliminating sugar from my diet, but right now the finances is where I need the most “coaching” for lack of a better term.
So here’s to 2013 and Operation F- Cubed! Because in order to be Fit, Fine and Fabulous I can’t be broke and overweight. LOL! There’s nothing fabulous about that!