I am a careless person and no matter how I TRY NOT to be careless, things….. “just happens” and it cost me quite a few pretty pennies. Continue reading
Yup! That’s right! Early Christmas shopping. I know it’s only September, but Christmas is coming up and I always like to shop for Christmas presents throughout the year.
Due to a wedding and a birthday that I will be attending this month, it will get quite pricey for me. I know it is way easier to spend using credit card, so I want see if I spend any differently if I know I ONLY have $200 cash in my wallet + joint credit card I have with the Husband for our household expenses (I have my own credit card for expenses that I incur myself so that will be put aside).
This month, instead of paying my discretionary expenses with my credit card, I am going to go on a CASH. I will GIVE UP that 1% cash back reward to try out this experiment.
A close friend of mine just recently got pregnant. I went to look at some baby things with her and I was shocked…SHOCKED… at the cost of baby things such as strollers and cribs. Boy, when I looked at those items, I swear, they are like the Transformers:
Look at how Bumblebee Transforms:
Now look at how the crib transforms:
Update: Here is the what I have spent on each category since January 2014. Though I was away from the blogosphere, I still kept up with tracking the money I spent. I looked at my expenses the past couple of months and I was over spending instead of saving.
From January till now:
- I have only managed to save 4% of my income. I also have 12% saved towards my Pension – the money I don’t get to see until I retire and it is automatically deducted from my paycheque.
- I have spent 13% of my income on clothes (stuff I don’t really need, I actually ran out of space in my closet and I went out to buy a Malm Dresser from Ikea)
- Due to my hectic schedule, I wasn’t able to pack lunch and dinner for the days where I have evening classes, so I end up eating out at least two nights a week = 11% of my income went to eating out at restaurants
- Transportation ate up 10% of my income. This includes both gas and parking. Since my classes were in downtown at 5:30 (I work outside of downtown and I get off work at 5 pm), in order to make it to the class, I have to drive and park in downtown.