Tuesday, October 18, 2011

Ramblings of a poor post grad

I thought money problems were suppose to go away the moment you received your diploma accepted your first job. None the less, here I am a little over one year after I accepted my first full time job.... still having an internship/volunteer position to build my resume, still living paycheck to paycheck and STILL babysitting and house sitting for a little extra cash. Three words come to mind: WHAT THE HELL?

I look at my bank account... barely hanging in there. Constantly drained of funds.

I look at my bills... constantly growing- small student loan, phone, car insurance, credit card.

I look at the bills I don't yet have - mortgage, car payment, power, etc (I live with my aunt)

I can't help but wonder if I will ever feel comfortable?


I know that I have some fellow twenty-somethings out there potentially going through the same... please tell me I am not the only one who feels like the money is out the door as soon as it walks in? I know honestly in LIFE it will never change. There will be more this and more that to pay but still... I am feeling drained - literally and figuratively.

Maybe I should attend some financial freedom classes or go see Dave Ramsey, buy one of his books, listen to him on the radio - SOMETHING!

Okay, I will go ahead and admit this one thing. I really love to shop. I have an addiction {except not really because I do not believe in addiction}  to things. Beautiful things, fun things, little things, big things. I love shopping and it makes me happy. There is nothing more fulfilling in my eyes than a day full of shopping and coming home and throwing all my bags on my bed and just looking at the bags. THEN taking everything out and laying it on my bed. Sick, no? I call them sacks of happiness. The second most fulfilling thing is when I go to the post office and fetch packages from online shopping, coming home and opening them. I then admire them in the same way I do in-real-life shopping.

But here's the thing. There are a lot of really useful things that would be a great investment for me and my career {in design} that I want to put my money towards. I am taking A STEP here... a very teeny tiny eensy bitsy step and going to *try* to save money to buy some of these things. I also want to save more money in general which I made a "plan" to do back in like June and have not gone through with it. I am dissapointed in myself - seriously.

So here we go. My journey to savings. First thing is first - Out with all the fluff. Good Bye Birchbox membership. That is $10 a month I can save or put towards a bill.

13 comments:

Charlotte said...

Just started following your blog. I totally feel your pain. I am ending an internship tomorrow and start a full-time position in 2 weeks and have been pretty much in the same boat! Live with my parents (not much longer) and don't have many responsibilities, but thinking about all of the responsibilities coming up terrifies me!

Emily said...

I am still in college...so I am a broke college student. My mom is excellent as saving money, but girl, I did not get that gene! I am getting nervous with myself graduating in may and having to be financially responsible, because like you I LOVE TO SHOP. so much. It gives me a huge thrill. scary!

Katy said...

Ugh. I can totally sympathize. I LOVE to shop and I wonder why I have no money. Good luck with the saving! Hopefully it goes better for you than it does for me!

♡ Beverly {Preppy Wife Preppy Life} said...

Doesn't every girl love to shop? Hah! That can be a source of financial weakness for me. I am super nervous to get married because getting married right out of school will leave us with a major reality check. So for now I am trying to stock pile my lilly all I can haha! <3

Dayna Leigh said...

"Sacks of Happiness" -love it! You and I are in the same boat Missy! I've been at my first big-girl job after college for about 8 months now and those paychecks are more than gone the day I get them. & what's left tends to go to those "sacks of happiness!"

What's a shopaholic to do?!

Tamara said...

I am right there with you - I have had a full time job for a year and a half and it still isn't easier. I still just feel like I'm barely keeping my head above water. There has to be a turning point somewhere, right? Good luck!

holly h. said...

In the same boat, girl. I try to figure out how much I'd have to make to live comfortably and it seems like I'll never get there! Too many bills (and too many sales to shop- oops!).

Catherine said...

Good for you for giving up your Birchbox! Great and better things will come. Trust in Him that His plan is so great that you do not need to worry about money. It does get better. I have been there, too.

Allison said...

I know exactly what you're going through! I've been at my full-time job for 6 months and have nothing to show for it (well I did just get a new car)! With my added car payment and insurance, I have no idea how I'm going to save now! I really will have to give up some shopping!

Lindsey said...

I feel you. I'm 5 years out of scohol, make $22K more than I did when I started in my 1st job out of school and I still live paycheck to paycheck. You spend what you make, so unfortunately I feel your pain. Of course, I have unnecessary expenses like mystic tanning membership, gym membership I never use, etc. BUT, I did cut out Netflix. Score! I def get to splurge a little more here and there, but not really. WHY CANT I FIND A MILLIONARE???? Hang in there though, you aren't alone.

Rachel McPhillips said...

You should really read Dave Ramsey! I'm serious.. he is amazing. Total Money Makeover. Go get it today!

Amber said...

Josh and I wonder the same thing. The grown up life is hard!

Heather said...

Oh man isn't that the question of the century. At least you have that Big Girl Job. Unfortunately I've been out of school for 2 years and still don't have the big girl job. Tough economy and not knowing exactly what I want sucks lol. I do defanitely have that spending experience as well. It's gone before the ink is even dry on the check. Ha. However its important to look good to get that big girl job, right? ha. Well hopefully we can figure this out and maintain our "bags of happiness" :)

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