Dad taught me how to balance a checkbook when I was a little girl. I was fascinated, watching him work those numbers with that trusty solar-powered calculator from my youth. It didn't hurt that Dad's penmanship is impeccable. The man has skills.
My checkbook ledgers were never as neat, but I did a great job of keeping them balanced. I kept the books for nearly a decade, knowing where every last cent was being spent. A discrepancy of even a penny or two was enough to send me into a flurry of balancing and checking my math. I was pretty meticulous.
Then came online banking, and what I consider to be the downward spiral of my financial accountability. No need to keep a handwritten ledger anymore, I thought, all I have to do is log onto my bank account and oh yeah. It's all there. Nothing amiss.
Little did I realize that although "it's all there," the Internet didn't force me to get up close and personal with my spending habits. Several years later and I finally got up the nerve to crunch some real numbers today. The daily iced coffee I buy for $2.45 is no big deal, right? Riiiight. I'm cringing to admit that this little habit is adding up.
How am I supposed to save money to buy a home in ridiculously expensive Southern California when I can't even admit that I have a very bad Target habit? Is there a program for Target addicts?
In an effort to rehabilitate myself, I'm reading up on budgeting tips and money-saving ideas. Here are a few that sound promising:
Labels: The Thriftster