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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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Hi there! I'm Danyelle Little, a St. Louis blogger, mom & and empty-nester. This site is for those of you who like to get the best out of both worlds-personally and professionally. Learn more about me HERE!

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She only doing what she know… 🏁 #grandnationa She only doing what she know… 🏁 #grandnationaltour #stl
MAY tings… MAY tings…
A rooftop situation is always a good idea! Recentl A rooftop situation is always a good idea! Recently, I was invited to a Happy Hour of bites and beats at @angadartshotel’s @artbar.stl and when I say the food, drinks, and the vibe were necessary during these stressful times. I see another visit soon in my future. Cheers! 🥂
April photo dump. And things of that nature. ✨✨
Are we twinning or nah? 😂😂😂 Are we twinning or nah? 😂😂😂
4/10 should be declared a national holiday because 4/10 should be declared a national holiday because on this day a king was born! Happy birthday, son. Love you more than words can say! 🎉🎉🎉
May we continue to have crazy/fun adventures toget May we continue to have crazy/fun adventures together. You deserve an overflow of serendipity, and all the joy I can provide. Still celebrating—Happy Birthday, Mommy! 🎉🎉🎉
Worked hard all week so we deserved a little treat Worked hard all week so we deserved a little treat. ✌🏾
My novel ‘A Clermont Lane Wedding’ is certainl My novel ‘A Clermont Lane Wedding’ is certainly not biographical, but there are traces of my life all up and down this book (hint hint). It’s a perfect Spring Break read!

It’s got romance, intrigue, a little mystery, and a family legacy on the line. On sale on Amazon, eBooks and paperback, link in bio.
The miracle of being a WOMAN. A life giver. A soul The miracle of being a WOMAN. A life giver. A soul nurturer. A blessing. ✨
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