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Money Talks

September 29th, 2009 at 12:06 am

I've been lazy and unmotivated about the budget and tracking lately.

It could be the time of year. Or the fact that I've had a lot of money go out (new refrigerator, dental work, the insurance was due, the kid's laptop was repaired). Or the fact that there are now 2 people at home who are not on the same financial page as I am (the kid and the spouse) and that appears to drain me, even though I'm trying not to let it. (I got accustomed to the kid being away at college.)

Also, without a computer at home I haven't been regularly reading Savingadvice to keep myself motivated. I'm reading a lot of entries today in an attempt to get inspired and motivated.

I also feel like groceries have gotten out of control, but haven't tracked the amounts I've spent in the past few weeks. I'm hoping it's just my imagination.

The kid has asked me to buy him a gym membership for Christmas (a year's contract). I'm considering it, but I hate contracts. And a year contract is expensive by my tastes. But the kid will be happy with this one gift (I think) and he can use it all year and I won't do any further Christmas shopping for him, which will simplify things for me. (Except I might still buy him socks and underwear... what's Christmas without new socks and underwear?!) We'll see...

My new pay with my new job has stabilized and I have about $35 each paycheck that I want to add to savings goals. I haven't done anything about that yet either, but I need to work on that (on payday!) so that amount doesn't get absorbed into other expenses. I was going to add it to retirement, but think I'll split it between retirement and my Freedom Account. (I sound like I have a million dollars coming to me...I'm always trying to divide a dime!)

Just feeling sluggish about all things financial, but still grateful to read everyone's blogs for inspiration. Maybe if I balance the checkbook tonight, I'll find some motivation and discipline...

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