I've come to the realization that I have been completely reckless with my finances for...oh, well, the past DECADE. I'm 32 now and have no savings, $1000 in credit card debt, $11,000 car loan debt and I actually don't even know how much student loan debt. This literally disgusts me. A big motivator is that my boyfriend and I are looking to move out of the small condo (which HE owns) into a house. Well, with figures like above, I'm not going to be any help.
I've been reading blogs, news articles and books on how to budget. I think I have a pretty good idea on the actual process, but when it comes to follow through, usually Dairy Queen wins even though its not worked into the food budget. I'm getting better - and all I can ask for is improvement!
My boyfriend is also a bit of a brick wall. He makes more money and has about $3000 in credit card debt and approximately $10,000 in car loan and of course his mortgage a little over $100,000. I've helped him create a budget and work on getting small things paid that he's been ignoring out of laziness (medical co-pays, water bill, sewer bill, etc.). He has been extremely compliant thus far and has pretty much let me take over until he saw he had some "extra" money. Instead of putting it in savings like I budgeted (we want to purchase a new tv - ours is on the fritz) - he proceeded to use the $200+ to spend on eBay...for stuff HE DOES NOT NEED. Now, lets be honest, I buy more make-up that I will probably use in a lifetime - but I've gotten SO MUCH better. I haven't purchased any new make-up in almost 90 days - this includes nail polish. I'm really busting my ass here to make things better... I want a house!
So, while this will still be my makeup obsession blog - mostly devoted to bargains and shopping my stash - I'm also going to try and hammer out our budget. I feel better already just by writing this - I need to be held accountable for our frivolous spending.
Help!