Saturday, October 16, 2010

Change is coming. I can feel it.

Here I am.  I've finally arrived at the dreaded thirties without having accomplished very much.  I don't have any lofty goals.  Just being a normal, functioning human being would be nice.  I kept postponing that goal through my twenties, always telling myself I had more time.  I had more time to work on being thin, having a relationship, having my own life, etc.  Now all my quirks, like always being overdrawn on my bank account and stress eating, don't seem so cute anymore.  Time is running out.  So this is it.  Change needs to happen now.  That is my vow. 

First on my list of "quirks" to tackle is my habit of overspending.  I'm not even spending money on great shoes or anything.  Most of money gets wasted at CVS and Office Max.  The wake up call came this week when my debit card was actually declined.  My bank just usually lets items go through so they can rake in that overdraft cash.  I must have been really overdrawn.  Turns out I was three hundred dollars overdrawn.

This is a pretty big deal for me as I don't exactly make boatloads of cash.  I make my living teaching toddlers.  Not only is it an incredibly difficult and stressful job,  but it pays poorly too.  I hate hearing teachers whine about how little they make because I'm making about half that. 

So I'm gonna have to save up to be able to put money in my bank account.  I'm putting myself on the envelope system.  Each expense gets an envelope with some designated money.  If the money runs out...too bad.  So if my food envelope is empty, I have to make do with what's in the fridge.  I'm scared and excited.  I'm hoping that my dirty thirties will prove better than my blah twenties.