I hate it!
I got a problem. I like doing fun stuff. Fun stuff costs me money. I should be saving that money to realize a bigger goal.
Also, fun stuff cuts into my working time. I would MUCH rather be having fun (even sleeping) than working, and with my new working arrangements (work when I want to) I find it hard to commit to work when there are so many things I would rather prioritize.
Seems like I'm having some trouble keeping my eye on the prize. I know I'm going to need a LOT of money to make a smooth transition to island life. I guess I feel like it's far enough away that I don't need to consider it in my immediate decision making.
I have a couple of ways of rationalizing my spending that make absolutely NO sense.
first, if I happen to find say... 20 dollars. then I feel justified spending a little extra money. That makes sense right? I can splurge and eat out, or I can go bowling with friends.... $20 extra bucks to be spend however I want! But, I spend that 20 dollars several times. I will spend it one week on bowling and the next week, when friends are going to Olive Garden or something, I think "oh yeah, I found that 20 bucks... I can afford it!" knowing full well that I have already made a purchase based on that exact reasoning. Dumb. A recent example of this is when I cashed out my coin jar/goldfish bowl and had a little more than 50 dollars.
Another thing I do is refrain from spending. This always catches up with me. I will forgo a trip to Taco Bell or "Cafe West", and cite this as justification for spending 15 bucks later. even though I would be hard pressed to spend HALF that amount on food at either of those places for some reason I think it's money I can spare all of the sudden.
If I set my mind to it, I can pinch pennies like nobody's business. But every once in a while I start getting this urge to splurge, and I feel like I deserve it, or earned it rather. Anyway, starting next monday, I intend to stop eating out, stop making those "little" $5 purchases (5 times a day) and start being as frugal as possible. Hopefully I will qualify for some financial aid this fall.. checkin' on that in the morning!