Today marks the first day of practicing financial fitness. I’m overdrawn nearly $500 in one account, while my last paycheck swept up another $100 in overdraft fees on my second account. I’ve really got to tell my banks to stop covering my ass. If I don’t have $5 dollars to spare, don’t fucking lend me a hand for $34 in fees. I’m really not sure why my credit union thought it would be better to let my last flight training check for $300 slide instead of bouncing it. I would have much rather paid the $25 and written a new check than pay the insufficient funds fee for that and all future auto payments PLUS $5 a day until payday when I could actually make a deposit. It’s time to get my shit together. I don’t work two weeks just so I can pay off one mistake. I’m going to start acting like every rich person I’ve ever met and make a big stink over pennies. One guy I know who makes BILLIONS bitched over $20. I want to be that guy. Starting today I’m going to write down every expense in the notebook I carry with me, and balance my account at the end of each day. The sad part is I’m not a big spender, and there will be little fat to trim, but maybe I didn’t need to buy that burrito. One less burrito every day for a year would save me approximately $2920. Not to say that my life is a paradise where I can consume a burrito a day, but it does give one pause.
One method I haven’t tried in a while is the cash method. I am such a penny-pinching Jew when I have cash that it almost physically pains me to be parted from my precious bills. But frankly, having cash these days is more of a hassle than it’s worth. I think the best course of action for myself would be to make my everyday necessary purchases (gas, groceries, school or office supplies) on my credit card, and then pay off that amount plus my standard payment the following month. Then make the more frivolous purchases on my debit card or in cash. That way, everything is accounted for. My flight training will have to take a backseat of necessity, and that pains me, but I’d rather not be drowning in the debt and stress it induces because of my poor management. LET’S FACE IT; I’m great at most things, but not at everything.