“Times are hard.” You don’t know how many times I’ve heard that lately. And yes, I’ve been saying it, too. With gas at almost $4 a gallon, no cost of living raise in the last few year, and those unexpected expenses that pop up (locking my keys in the car), my pocketbook has taken a beating. But while I’d like to blame it on all things external, I’ve had to come to the realization that I need to take personal responsibility for not managing my money the way that I should. So, some changes will be made. The definition of insanity is doing the same thing over and over and expecting a different result. I know that I’ve got to do something different!
I’ve already made some changes: I got a roommate a year and half ago and I got a part-time job at Macy’s back in November. But despite those major changes, I still find myself strapped for cash. I’ve got to go a step further. A friend recently mentioned a book that he and his wife were reading called “The Power to Prosper: 21 Days to Financial Freedom” by Michelle Singletary. He had some pretty good things to say about it and he mentioned the 21 day fast. He let me borrow the book and the fast is something I’m going to try. Basically, the book calls for 21 days of refraining from spending on anything other than necessities, eliminating using credit and debit cards, avoiding shopping or even window shopping, and more. And during this process, the book will help you to develop a budget and gain other tools, both practical and spiritual.
I’ll be chronicling my progress along the way right here on Emo Idiot. I’ve already read the first chapter and here’s my first assignment:
Make a list of any potential obstacles that may prevent you from sticking to the fast and then decide how to eliminate them.
I know that my biggest obstacle will be eating out. Most days when I get off from work, I don’t feel like cooking. Or, I may not have time to cook when going from my full-time job to my part-time gig. I’d usually just grab some fast food. And, I’m gonna have a hard time not buying snacks at the bookstore or coffee shop at my job or at the mall where I work. I’m going to have to plan, plan, plan! I’m going to need to make food on the weekends so that I can have it during the week. I’m going to have to carry my lunch including snacks everyday! Ugh, this is going to be tough! I’ve already started doing some of this but not everyday. At first I thought that I would just build some lunch money into my budget during this 21 days but eating out is forbidden during the fast plus I need to face my biggest financial challenge and that’s spending too much money on food! I’m gonna need prayer! lol