I really royally screwed myself financially this month. I decided, on what is actually a very limited income, to do just plain too much in one month. It wasn't even spending...though I did do some of that...but not too much.
I decided to put more than half of what I make on my credit card (it is still suffering from Christmas, Vegas, and MY FUCKING SCHOOL BOOKS...and I HATE having my credit card high), then pay all my bills, then put a couple hundred in savings. On top of this, and my normal expenses, it turns out that I have to pay $400 in taxes.
My grandparents have been helping me out with my car payment...essentially, if they weren't, I'd have NO spending money for things like clothes, shoes, and food. That isn't too bad on a short term basis...we've all done it. But, since there really isn't any way for me to change my finances (even when most people feel that they can't change their finances, there is usually something within the realm of possibility that they could do. This is not the case for the disabled) Now, project1half is a great help to me...but I am by no means a kept woman. And, for all that I am constantly talking about purchases in my journal...understand that y'all basically hear about all of them. I don't really spend that much money. My grandparents are covering my taxes...but I told them that if they did that, I'd not take any money from them this month for my car payment.
But, you know those months where EVERYTHING comes up? This was one of those months. It was the month where I got my hair done. My grandma actually spends $20 a week to get her hair "fixed" and set...going to a lady she's been going to for years. Now, I pay a fuck of a lot more than $20...but since I only do it about every five months (cut and highlights)...I actually spend less than she does in two months. But, it is a chunk of $150, all at once. And then, this was the month where every single product I need ran out. I have psycho-sensitive skin, so I have to spend a pretty decent amount on skin care stuff. It's expensive crap, but the good thing about quality products is that you only use a little of them, and they last forever. But, I had to drop $100 there. It all nickel and dimed me to the point where Kimmaline will NOT be buying ANYTHING for a couple of months. I actually had to take money OUT of savings to cover my ass.
My monthly medical costs are pretty high, as I am sure you can imagine. I have NO idea what the hell I was thinking when I put that big payment on my credit card. Actually, I can tell you PRECISELY what I was thinking. I was thinking that even though I've been putting more in the form of payments on my card each month than I've been spending...I've still been spending more than I should. And somehow...in what is normally my very financially savvy brain...it made sense.
I can't believe I used to deal with other people's money for a living. I really fucked myself up. Thank GOOD HOLY GOD IN HEAVEN ABOVE I was responsible before this, and have some money in savings.
That is ALL you need to hear about my financial problems, thankyewverrahmuch.
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timeasmymeasure
no subject
Date: 2006-03-29 05:15 pm (UTC)No shoes.
I really royally screwed myself financially this month. I decided, on what is actually a very limited income, to do just plain too much in one month. It wasn't even spending...though I did do some of that...but not too much.
I decided to put more than half of what I make on my credit card (it is still suffering from Christmas, Vegas, and MY FUCKING SCHOOL BOOKS...and I HATE having my credit card high), then pay all my bills, then put a couple hundred in savings. On top of this, and my normal expenses, it turns out that I have to pay $400 in taxes.
My grandparents have been helping me out with my car payment...essentially, if they weren't, I'd have NO spending money for things like clothes, shoes, and food. That isn't too bad on a short term basis...we've all done it. But, since there really isn't any way for me to change my finances (even when most people feel that they can't change their finances, there is usually something within the realm of possibility that they could do. This is not the case for the disabled) Now,
But, you know those months where EVERYTHING comes up? This was one of those months. It was the month where I got my hair done. My grandma actually spends $20 a week to get her hair "fixed" and set...going to a lady she's been going to for years. Now, I pay a fuck of a lot more than $20...but since I only do it about every five months (cut and highlights)...I actually spend less than she does in two months. But, it is a chunk of $150, all at once. And then, this was the month where every single product I need ran out. I have psycho-sensitive skin, so I have to spend a pretty decent amount on skin care stuff. It's expensive crap, but the good thing about quality products is that you only use a little of them, and they last forever. But, I had to drop $100 there. It all nickel and dimed me to the point where Kimmaline will NOT be buying ANYTHING for a couple of months. I actually had to take money OUT of savings to cover my ass.
My monthly medical costs are pretty high, as I am sure you can imagine. I have NO idea what the hell I was thinking when I put that big payment on my credit card. Actually, I can tell you PRECISELY what I was thinking. I was thinking that even though I've been putting more in the form of payments on my card each month than I've been spending...I've still been spending more than I should. And somehow...in what is normally my very financially savvy brain...it made sense.
I can't believe I used to deal with other people's money for a living. I really fucked myself up. Thank GOOD HOLY GOD IN HEAVEN ABOVE I was responsible before this, and have some money in savings.
That is ALL you need to hear about my financial problems, thankyewverrahmuch.