So I've reached a bump in the road. I checked my bank account today; lo and behold I'm negative.
This is a huge setback for me especially since I have been doing so well at not going negative. During the first year or two of having my bank account or just any account I went negative constantly. I've been in the black consecutively for about 2 years. I consider that an accomplishment especially since I love to spend money.
I'm convinced that it is an addiction as there are members of my family that suffer from other addictions. I need to get control of it.
I came to the source which is a payment that took too long to come out of my account. This puts a damper in my plan.
So my new revised plan:
- Step up my efforts to get a second job.
- Transfer the remaining money from my payroll card into my checking account. <--This is where I went negative. I thought my direct deposit had kicked in but it didn't. At least not yet.
- Once my account gets back in the black start selling on ebay. Hopefully I can sell enough items to generate a little bit of extra income.
- Definitely stop spending. My new goal is to only spend money at the grocery store. Or if I have any cash. Also start saving my cash and/or deposit it into my checking account.
- I think I will stop taking my wallet when I go somewhere because that will just most likely ensure that I will spend money.
In fact I'll try to make that a goal. No more frivolous spending until August 20th. Only paying bills and occasionally getting something to eat. Sometimes I don't have time to eat before work and I'll need to get something cheap on the way.
