Budget Woes & “The Light” -by the wife
Who doesn’t have debt these days?
The premartial therapist largely warned us against credit card debt (albeit the fact that I mentioned I had a bunch of it.) Grrr. IknowIknowIknow. Credit card debt is badbadbadbad. But I still have it.
It’s nice that FICO has restructured it’s rating system as of late. My credit score has boosted from 670 or so to a whopping 690. But, alas, it’s a number. Just a number.
Creating a feasible budget depends so much on decreasing the amount of fun you are having. For instance, when we calculated all of our shit (a dismal process that I don’t at all recommend unless you are in NEED of it), we came up with some numbers that were of concern:
Amount of $ spend on FOOD
Amount of $ spent on GOING TO RESTAURANTS
Amount of $ spent on ALCOHOL
Amount of $ spent on MISC FUN
Yeah, all of the good things in life: you’ll need to decrease you’re spending on those first.
The positive side is that since Alan and I have stopped going out, stopped seeing movies, and stopped riding rollercoasters (haha), we have found it pretty easy to save.
Yeah, as much as I bitch about the budget issue—- if you do decide to confront it, to look it in the face, and to really realize that humans love to spend fruitless amounts of money, you can begin to unravel the budget crisis that perils most Americans. And you can make the decision to have fun without the added expense. Yes, it’s true; you, too, can save. (I’m not promising it’s as much fun once you “budget” as it was before you considered the monetary situation, though. :))
