One of the main problems, or I suppose "challenges" that I have is this terrible cycle of good intentions vs. reality. After doing a Gail Vaz-Oxlade style budgeting thing, I figured out how much I can throw onto my debt per month, and automated that payment. And then added some more on top of that, because paying down my debt is the whole point, right? I can do without cute things! I am focusing on paying down my debt! (...I say to myself at the beginning of every month)
I am both virtuous and glamourous. OK, maybe just glamourous.
So, every month this automatic payment goes through and I feel partly like a virtuous and frugal martyr, and partly like, "wait, where did my money all go?" and then I inevitably find some superamazingonceinalifetimesupercute item of clothing or makeup and, like last night at 11pm, decide I can't live without it and then I buy it. Remember when I said fall fashion is my favorite? Suffice it to say, my bank account balance reflects that. As does my closet. And my current outfit. Ahem.
Anyway. So what happens is I put through the high repayment on my debt, then I buy something and my bank account goes into overdraft, and then I transfer money back from my credit card into my bank account and the sum result is that at the end of the month, I've barely paid down my debt at all. I don't know what the answe is. I know I need to get rid of the overdraft, and that would break the cycle. But is that not like canceling food banks in order to make people not rely on them to cure poverty? i.e. A bad idea?
But in the meantime, I can't wait for my cute new dress to arrive from ModCloth! (I am in a love/hate with this website. It's really a dysfunctional, destructive, one-sided relationship. Especially at 11pm. It's like drunk dialing an exboyfriend who you know is bad news, but you can't help yourself and maybe he wasn't so bad after all, maybe he's changed, maybe it will all work out this time...?)
|Perfect for fall, no? Back to school chic! Picture it with black tights and motorcycle boots.|