Wednesday, May 23, 2012

When You Have Time, But No Money


For a couple of weekends over the past few months I haven't had money to go out on the weekends. Inspired by TeacHer Finance's post about super-cheap weekends, I've decided to brainstorm some of the things I've come up with to do when I can't afford to go out and spend money except for things I absolutely need. Staying in on a Friday really isn't so bad because I'm usually tired from the work week (and in desperate need of a shower). Saturdays and Sundays can get pretty boring though. Here are some great, semi-productive things you can do to pass the time.

1. Check out books or DVDs from the library. You can even reserve them or request inter-library loans ahead of time if your local branch doesn't have what you are looking for. New books are usually available for "express" checkout, which means you only have a week to read them, so now's the time! I also check out movies that are a few years old or classics that I just never got a chance to see. A copy of The Boiler Room on DVD is on its way to me via my local library - I've never seen it and have been meaning to for a while. I'm also borrowing The Age of Innocence (the book) from a friend. I have a very tall stack of books to read - I'm a Young Adult fiction addict. Check out my book blog Published in Pink for some of my recommendations. 

2. Exercise. I usually skimp on exercise bigtime during the week, but the weekend is a great time to catch up. If you don't have a gym membership you can take a walk around your neighborhood even if it's just for some fresh air.

3. Clean your house or apartment. I also hate doing this during the week, but find myself doing a lot of cleaning when I stay in. I usually put the TV on and listen to shows while I scrub my bathtub, wash dishes, etc. I also catch up on laundry and vacuuming. It feels great to have a clean living space and fresh sheets.

4. Volunteer. There are so many worthy causes that can use an extra hand, even on the weekends! My personal recommendation is the animal shelter or a local rescue group. Volunteer to come in an socialize the cats or take the dogs for a walk. You can also help out with the adoption efforts of local rescue groups by writing bios and taking photos of the animals and posting them online where potential adopters can find them. See my post on the ways volunteering for a rescue group has brought good things to my life. If you're not an animal person, you could always sign up to be a Big Brother or Big Sister or visit the elderly in a nursing home. 

5. Work on freelance projects. Start a blog, write that novel you've been putting off, or research a new hobby online and ways to do it cheaply. Start an inspiration board on Pinterest.

6. Make plans. I love daydreaming about the things I'll do when my credit cards are paid off. You can research travel, real estate, jobs, graduate schools, and all sorts of things while you have the time. 

If all else fails, I try to stay off of Facebook. Looking at all the things other people are doing just makes me feel depressed. 

How do you spend your time when you don't have money to go out?   


Monday, May 21, 2012

PF Confession: I'm Not Good at Saving Money


The personal finance blogosphere is full of money diaries and blogs written by people who are financially responsible. Some of them nickel and dime every purchase even they have thousands and thousands of dollars in the bank, no debt, and own their own home. And surely their healthy balance sheets are the result of diligent savings habits. What I'd like to know is this: what motivates someone like that to save more money if they already have so much saved up? Is it growing up in the Great Depression, fear of unemployment, a desire to care for their children? 

Although there are a lot of goals I would like to achieve, I generally feel overwhelmed and intimidated at the thought of saving thousands of dollars for something far off in the future instead of something I can have right now. Since I live paycheck to paycheck as I pay off my debt, a lot of categories in my budget are under-budgeted, which makes tracking my expenses difficult. If I get a little bit of extra money, I might put it towards stocking my pantry, replacing a worn-out pair of pants or taking advantage of a sale on cat food. And yes, I like to treat myself a little, too. The "I work hard and I deserve it" justification seems like a cliche, but after a long two weeks spent earning my paycheck, that is how I feel. 

So, when I have the option to "save" a small amount, like $5 versus spending it on something I need or want, I end up spending it. I figure I might end up needing it for something else before payday and my initial urge to save will have been wiped out anyway. As a consequence, I am stressed out all the time. I am always worrying about money. I am sure that if I had more of it, even a small amount like $100 per month, saving would be much easier for me because all of my needs would be met and I wouldn't have to rob one budget category to satisfy another. I've been wanting to blog about it but I can already hear the internet berating me for spending money when I should be saving it. The good news is that I'm in the process of networking to possibly get a few paid freelance writing opportunities. 

Does anyone have good advice on how to save money?
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Monday, May 7, 2012

My Essay Published on The Gloss

Hey people! So I entered an essay contest over at one of my favorite websites, TheGloss.com with an essay about my debt, and they published it! Check it out here:

http://thegloss.com/career/bonus-i-regret-my-33000-credit-card-debt-858/

Sunday, April 22, 2012

Visit My New Blog, Twen-Teen


Lately I've been feeling inspired to write more about my life in general as opposed to just my financial life, or my life as someone who loves to read, or who loves the clothes on Gossip Girl, or who loves fashion. That's not to say that I won't be updating any of my other blogs in the future, but for now I'm focusing my energy on my new project, Twen-Teen. I think it's going to be a great platform to tell stories that other people can relate to. If you enjoy my writing, I hope you'll check it out!

Sunday, April 1, 2012

Congratulations Donna!

You are the winner of my one-year blogoversary giveaway! I'll email you for your address. Thanks to everyone who entered!
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