It’s always going to be the joy, peace, and grat It’s always going to be the joy, peace, and gratitude for me. ❤️
I'm too classy for this world, forever, I'm that g I'm too classy for this world, forever, I'm that girl. ♍️

This is 48! #happybirthday #hbd #hbdtome
Out of office email auto reply like… ✌🏾 Out of office email auto reply like… ✌🏾
Out here summering and whatnot… ☀️ Out here summering and whatnot… ☀️
Laylah and I had a girlies night out at the grand Laylah and I had a girlies night out at the grand opening of @bbtheatres in Creve Coeur. We definitely will be back soon! ✌🏾#recap #stl #stlouis #gno
When it’s 80 degrees out, and the sun is so brig When it’s 80 degrees out, and the sun is so bright so you have to squint. 😂😂😂 #stl #stlwx #spring
29 years ago today, my SONshine was born! @codismi 29 years ago today, my SONshine was born! @codismith, you are the BEST son a mom could have, and I’m so blessed to be your momma! Love you to the moon and back and then some. Enjoy your day, my Aries offspring! ♈️
I could wax poetic and get all mushy and whatnot b I could wax poetic and get all mushy and whatnot but—I won’t this time! Happy 67th Birthday, Mama! I love you! ❤️
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Cubicle Life, money matters, The Cubicle Chick Don't · July 15, 2010

Internet Shopping has Become A Habit—Must. Stop. Now.


The week was going pretty well for me. Despite the fact that I have been having a bad case of blogger’s writer’s block, I’ve been gaining momentum in other aspects of my life. I was feeling a sense of peace and ease. That is, until I took a look at my bank account last night.

I felt myself hyperventilating a bit when I noticed my balance. And then, I thought there must be a mistake somewhere—a double charge, no a triple charge! Or maybe someone hacked into my account and stole my funds. There had to be an explanation why my balance was so low.

I began looking through the transactions that had posted and there was nothing that was fraudulent or in error. And then I began noticing a trend—there were over twenty charges for items that I purchased last week online. That MAC online sale? Damage. That outfit from Spiegel that I didn’t really need? Damage. Over twenty-five items of damage.

Damage to my bank account that is.

Add to those charges, were other charges of automatic payments or subscriptions that I forgot to “stop”. Those amounts add up. I don’t even remember buying all of this stuff. I mean, I knew I purchased a few things online but had no idea that I had spent so much. Everything I bought was on sale!

Earlier this year, I wrote about speaking with a financial planner to get my financial house in order. And I was doing a good job, but this month, I went a little crazy and the end result is that I am broke. I don’t want to touch my savings, but I just may have to because my balance not get me and my family through the rest of this month.

I made a crazed call to my Financial Mentor who told me to relax, relate, and release. She proposed that I return most of the items and stop all of the automatic payments that were not for actual bills. I felt a little better when talking to her. And we came up with a gameplan, one that I will be following to the “T’.

  • Internet shopping is for must-haves only and cannot exceed $100 per month under any circumstance.
  • The debit card will not be used for any more Internet purchases. I will use a prepaid card for online transactions.
  • I must keep a daily record and tally of my amount spent on Mint.com account as well as keep a money diary.
  • Eating out will be limited to no more than twice per week and cannot exceed $75.00 per week.
  • Any memberships and subscriptions not in use will be canceled immediately in writing.
  • I am to take out $200.00 per week cash and use that without using my credit card/debit card for weekly expenses.
  • I am to unsubscribe to stores and online merchants mass email campaigns so I will not be tempted to make a purchase during their next big SALE.

I feel a little better now that I have the game plan, but I still am kicking myself for spending so much money last week like I was Kim Kardashian or some Hollywood socialite. You must do better, Danyelle! Ugh!


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In: Cubicle Life, money matters, The Cubicle Chick Don't · Tagged: banking, Cyber shopping, Finances, Financial Planning, Internet, Mint.com, Money management, Online shopping

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Comments

  1. TheFabChick says

    July 15, 2010 at 9:14 am

    Awww yes, I know this all to well! Think I will be using the tip of taking $200 cash and just spending that… Good stuff!

    Reply
    • The Cubicle Chick says

      July 15, 2010 at 10:17 am

      She says this will help me “see” my money and have more control over my spending. With a debit card, you just swipe and go. I was doing this before but stopped. Now I am back on track!

      Reply
  2. Fly11 says

    July 15, 2010 at 3:50 pm

    I LOVE the taking out $200 a week as opposed to using the debit card. I used to treat the ATM like a crackhouse=DON'T GO NEAR IT! I have developed a hatred for cash because I spend it sssoo easily thus my solution was debit card only, NO CASH. In time though, I've gotten comfortable with swiping $1.32 so I'm still being wreckless. However, if I take out my "Free money" it'll help me keep track of what I am spending, how much is left without having to login and check a balance. GREAT TIP!

    Reply
    • The Cubicle Chick says

      July 15, 2010 at 4:34 pm

      The thing about cash is I seem to misplace it all of the time. I will find a ten dollar spot in a jean pocket months later. So I have to get better keeping up with it. And plus it’s dirty–which is something I do not like. But in order for me to stay on track, I have to be able to SEE what I am spending. Once it’s gone, it’s gone, no let me get my card. 🙂

      Reply
  3. Go!Spa says

    April 1, 2011 at 12:08 pm

    I’m right there with ya Girlfriend! I have an online shopping addiction–my daily e-mails from Rue La La, Bath & Body, Groupon & more make shopping online much too easy! Good tips, thanks Danyelle!

    Reply

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It’s always going to be the joy, peace, and grat It’s always going to be the joy, peace, and gratitude for me. ❤️
I'm too classy for this world, forever, I'm that g I'm too classy for this world, forever, I'm that girl. ♍️

This is 48! #happybirthday #hbd #hbdtome
Out of office email auto reply like… ✌🏾 Out of office email auto reply like… ✌🏾
Out here summering and whatnot… ☀️ Out here summering and whatnot… ☀️
Laylah and I had a girlies night out at the grand Laylah and I had a girlies night out at the grand opening of @bbtheatres in Creve Coeur. We definitely will be back soon! ✌🏾#recap #stl #stlouis #gno
When it’s 80 degrees out, and the sun is so brig When it’s 80 degrees out, and the sun is so bright so you have to squint. 😂😂😂 #stl #stlwx #spring
29 years ago today, my SONshine was born! @codismi 29 years ago today, my SONshine was born! @codismith, you are the BEST son a mom could have, and I’m so blessed to be your momma! Love you to the moon and back and then some. Enjoy your day, my Aries offspring! ♈️
I could wax poetic and get all mushy and whatnot b I could wax poetic and get all mushy and whatnot but—I won’t this time! Happy 67th Birthday, Mama! I love you! ❤️
When I was Sweet 16. #tbt #throwbackthursday When I was Sweet 16. #tbt #throwbackthursday
To all the lovers. A little flower arrangement fro To all the lovers. A little flower arrangement from me to you for Love Day. ❤️❤️❤️ #valentines #valentinesday #love
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