My 1, 2, 3 baby steps: reflection 1: What stop me from Saving

My 1, 2, 3 baby steps: reflection 1: What stop me from Saving: The question is WHAT STOP ME FROM SAVING At times,  I can be a penny pincher.  I will squeeze every pennies to save few cents yet when i...

reflection 1: What stop me from Saving

The question is

WHAT STOP ME FROM SAVING

At times,  I can be a penny pincher.  I will squeeze every pennies to save few cents yet when it comes to the big pictures I hardly have any saving.

So WHAT IS MY PROBLEM?

I am additive to credit card and shopping!!!

The idea of rewards I gained my using my credit card entices to me to buy almost everything using my credit card. I don't necessary think that is a bad thing. But when a person like me who doesn't have a good foundation of spending habit. Credit card usage is not so good of idea after all. What happen is that I get into this pattern of playing catch up, where most of my paycheck goes straight to my credit card and when that happens I can hardly save.

Problem #2 is my addiction is SHOPPING. I am peculiarly kind of girl who like pretty, nice things. I suppose youtube/fashion blogs doesn't help. Plus I have a bad urge to buy things I like whenever I see it.  What is worst is those materialist things truly only bring me temporary joy. Once I owe it I am over it. A lot of things I dun even feel like I deserved it since most of time I don't take care of it or it end up missing in my messy room.

Lastly I suppose not having a steadily income doesn't help either. Without income I really shouldn't be using money and how can I ever save without income???

of course eating out so often as I do now doesn't help either.

Okay... so that is all my confession to why I am not saving money.


So what is MY PLANs OF ACTION?

1) Now that I finally got my credit card down to less than $100
I should: hide my credit card. Can't see it = Can't use it
2) since i have this 3 months no shopping rule, I might as well stop watching all the youtube/blogging for me. Stop myself from temptation
3) Look for a job! Biggie. Life still goes on, I still have bills to pay. I need a better source of income or else I can't never save!!!

Day 2

What I success on today:
1) Didn't not spent any money on food!

I didn't not accomplished
1) I ate meat today! BO!
2) I didn't workout at all. =(

Hello April 1st

Hello~

Today is April 1st which marks my new beginning...

Here is what I am planning to achieves in the next 90 days!

1) No credit card usage for clothing items! Matter of fact, no shopping PERIOD!
2) Train everyday (workout of some sort) for my 10K run that is happening in May 5 and continue afterward to train for the half marathon in Sept!
3) Write down everything I spent and analyzed my spending habit by the end of the week. Eliminate all the unnecessary spending.

Goal for the year:
1) Put 5k into a roth IRA
2) increase my saving (hopefully by end of this year my saving is between 35K- 40K)

All about me!

Hello,

My name is Stephanie. It has been years since I last had a blog. This time around, I decided to have a blog where I am keep to motivated myself and others making baby steps to positives changes in life.

I am going to start my first series of 90 days challenge toward my revolutions changes. Why 90 days? Well, I realizes it really takes at least 90 days to see changes and to make it into a new habit.

I will begin on April 1st. It's never too late and all it take is baby steps!