Money on My Mind: January 2018 | Juliet

Each month we reflect on our financial lives because it helps us be more intentional with our financial well-being. We hope that by opening up the conversation, we can break down the social stigma around talking about money. Check out the rest of the series here.

It’s been a while since I wrote a financial diary post. I want to get back into it and write one for every single month of 2018. That’s a tall order to fulfill, but it shall be done!

I didn’t track my expenses for January because… I slacked off! February though

Things I’m Proud of

  1. Prioritizing what I spend my money on. I am a beauty junkie – skincare, makeup… everything – but the makeup junkie side of me clashes with the I-have-too-much-must-declutter-and-save-money-for-other-things side of me. Thankfully, I have done a great job this month not spending ridiculous amounts of money on beauty. I definitely have a daily routine of looking through Sephora, Ulta, Urban Outfitters Beauty, and ASOS Face & Body websites. But I haven’t bought anything that I don’t need, and that’s the most important part.
  2. Setting up direct deposit to my retirement account. I automatically put in $150 every month into my retirement account. I used to try going in every couple of months and put in a chunk, and it sucked. Also, I rarely did it. This way, I put money away without feeling any pain.

Things I Want to Work on

  1. Look for more ways to save/earn money. I did buy a couple things online over the last month, and I forgot to click on Ebates every single time! I’m bummed that I missed opportunities to getting cash back.
  2. Balancing saving and spending. I get this tickle in my fingers when I feel like I haven’t bought something in a while. That’s a telltale sign that I live in a consumerist society. I have to tell myself that it’s okay to not spend money.

Things I am Thinking About Related to Money

  1. Maintaining my car. Last time I went to get my oil changed, I also had to change my brakes because they were a few centimeters from being super dangerous. That expense took me by surprise, and I was not happy about it. I don’t know why it didn’t register: I have a car, it only makes sense that it costs money to maintain it. My next oil change is a couple months out, but I’m already saving up money because there are a couple other things that need to be changed in the near future.
  2. Signing up for a GMAT test prep class. I already did comparisons on the different test prep companies, and finally narrowed it down. Now I just have to pay for it, and that’s the hardest part.

Check out other posts in our Money on Our Mind series!

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