keeping limits
I was wrong. There is such a thing as saving too much.
I should have been more careful about anticipating how much money I would need for the rest of the week. I spent $9 on a pizza Tuesday. And today I’m spenDing some more money on my mommy’s Mothers’ Day present. And, since we’re not going to visit for my parents just yet, I’m paying for the shipping to send my mom’s gift to her. And I knew that all of this was coming, I just didn’t add it all up. If I had, I’d have known that I’d need more than $100 to last me from last Friday to this Friday. I would have put less into my savings account and left more in my spending account. Then I wouldn’t have to spend some of my New Orleans spending money. And I wouldn’t be using a credit card (which will now have to be paid back) to pay for my mommy’s present.
You may ask, "Why not just take the money out of the savings account, Sistah Ant?"
My reply?
"That would make too much sense, and besides, once my money goes into the savings account, it is off limits. Period."
There isn’t an emergency happening, just a little cash flow problem. I can fix it when I get my next paycheck in a few days by paying off the cards and planning my spending better, and I will do that. But I refuse to allow myself to spend any of the money that I’ve put into my savings account. That is one bright line rule that I’ve broken in the past, and I know now that I don’t need to go down that route again. Think of this as my personal equivalent of freezing credit cards in a bag of water to prevent taking on debt. If you know your weaknesses, you’ll do what you have to do to keep from succumbing to them.
