Looking back at this week I am very pleased with myself. I did good!!
I finally started to write my dreaded article and I have now two-thirds done. And I think it is turning out ok, for a first draft. So I will get it finished on time before my deadline.
I prepared a lecture I had to give today in my own time and gave it on my day of. Adding another day to my personal debt pay off. Bringing my new total to 11 out of 48 days (and four hours spare).
I did my end of the year finances today. I gave 10% of my inheritance I received this year to 5 different good causes. And signed up for a tax friendly investment fund that finances mikrocredit (so instead of the already wealthy the poor will benefit from my surplus).
I went to the gym 5 out of 6 days! This is truly spectacular for me! And I am not going to stop here, I will follow up with my boot camp untill my supervacation.
Less than perfect since sunday:
I only had one no spend day. Allthough I can say in my defence that there was very little frivolous spending. But still money has left my wallet fast this week.
I am eating way too much. Especially candy and other empty calories. Really have to work on this one
So I am smiling tonight and really feel good about myself for a change.
Viewing the 'frugal yeah' Category
Looking back at this week I am very pleased with myself. I did good!!
How could I forget. We got our electricity and gas bill in last week. We are on a fixed plan and get the real bill once a year. We are due back €270,- in december! That will mean that decembers gas and electricity will be free and we will get an additional €120 from them. That's € 270 into joint savings to help bring up our total back to where it used to be. Big yeah!
I guess all my frugal strategies (hanging all my laundry, using most of my appliances during reduced hours and keeping the thermostat really low and use many sweaters, blankets and candles to stay warm) really worked.
Strangely enough they reduced my payment for next year with only €2 each month because they predicted a higher usage next year. Well I'll surprise them, my challenge is to get back at least the seem amount next year (and since we are going on holiday during the most expensive months this year january and february, that will happen!)
I've made good progress these last few days. I have been to Ireland for my uni job. That resulted in four no spend days, since all my expenses will be reimbursed. And I did so much overtime that I can add 3 days to my personal debt reduction challenge, bringing my total to 10 days.
About Ireland, it was mostly windy, wet and cold and I didn't get to see any of it. But I got to stay in a very good hotel with gym and pool. I went to the gym twice and did 30 laps in the pool. So I did keep up with my planned exercise. So far I have been very good with that, but sadly enough my weightscale does not show it yet. My goal of losing 4 kilos before my january holiday seems still very far away.
I started with making my price book. As it turned out I am already doing very good and there is not much to gain by shopping at other stores. I routinely go to Lidl (a kind of Aldis) and comparing prices showed that on most products they are the cheapest and when not the difference was only cents. So if I continue to shop there I will be getting the best deal. The only savings on groceries that I can make is cutting back on the amount of groceries I buy. But even than the projected savings will be small, because I allready don't buy many luxury items and look for sales religiously. Cutting back too far will make me (and most of all DB) feel to deprived and that has a possible countereffect anyway (making up for it by going out to often for example). But I will challenge myself to cutting back my grocery budget with 10% next year (over the year average) w'll see if that is doable.
It's 8 pm here and are allready longing for my bed, but today was a good day and I wanted to let you guys share in my bliss. So here are today's accomplishments.
1. Absolute no spend day, no money left my pocket.
2. Had a good work day, got two interviews typed up, only three more to go, for now.
3. Typed up my list of goals to finish before january 1. (isn't it a beauty when you can add blogging as an accomplishment of your day Hihi)
3. DB cooked dinner, all from the freezer and pantry. (got to love that guy).
4. Went to work on my bicycle and in 'springlike clothes', it was a beautifull sunny and warm day, allthough it could be freezing around this time of the year. (so no heat on in the house, more saving!).
5. With the cycling I at least got my minimum of 30 minutes of moderate exercise a day.
6. Eat my portion of fruit and veggies of the day, remembered to take my vitamins and drank plenty of fluids.
So that's all for now and it is only 8 pm, who knows what I will do next (probably go to sleep early but these days that's an accomplishment too).
CU next time
You sure are a nice bunch of people. And it is comforting to know that there are other people out there who can relate to my discipline problems.
Since I am at my uni-job right now, and I'm blogging, you can all guess that I am not working on my research. But I just finished an interview this morning and I am working up the courage to start typing it out. Not a very nice task to do (and I have 4 more to go).
Miclason thank you for your suggestion. I think that could work for me. To end my day making a list with all the small things I accomplished. I can see how that would work as a motivator to make sure that I have something to add to that list. Making my list of 'frugal Yeah's' works the same way.
Lau, you're right. If and when I get the wind behind me I am a very efficient and fast worker. I guess that's why nobody knows about all of my non-working-time, because I always catch up in no time and work faster than most of my collegaues. But I usuallly still feel guilty about not doing more, or doing things better.
Ok. enough of this, back to my frugal lifestyle goals.
Tuesday I only spent €30 to send a package to my sister in New Zealand. And I paid for my sewing lessons in November (but that is a bill and I don't count it in my no spend days).On that note, I finally! finished all the prep work for my skirt and actually started sewing (the nicest part of the whole project), so it is starting to look like a skirt.
Today I did bring my lunch and snacks to work (as I do everyday) but decided to have lunch with my collegeaus and ended up buying some extra soup and yoghurt. I have to work on bringing the extras too and than staying out of the cafeteria (and stil have a social lunch with my collegeaus). Room for improvement here.
My credit card got a good workout today, because I did a lot of online booking for a trip next month for me and a collegeau. But all of that will be reimbursed, so I do not consider it spending. Usually it ends up to be a kind of saving actually. The reimbursement comes often so late, that I have already absorbed the spending in my checking account. When it finally comes in it feels as extra money, and I often transfer it to my savings account. So I guess I don't mind paying up front for work expenses (if they are not to big).
Tonight a simple homemade soup is on the menu and then of to salsa lesson. So no more spending planned for the rest of the day.
Other than that: all is quiet on the frugal front.
Untill next time: CU
Wow, what a warm welcome! Thanks everyone for making me feel at home here. So I guess it is time for an update and some more information about the issues I am struggling with.
But first an update about my frugal voyage.
Saturday - Monday
(always start with the positive)
- got a free winter car check on saturday
- did my grocery shopping for the week and only spent € 10 (I am seriously working my way through my stockpile)
- other than groceries, three no spend days
- had lunch and dinner at a friends house on sunday and got leftovers to take home with me
Frugal OH NO!
- the car's winter check reveiled some serious problems so after already three expensive problems in the past few months, so some more bills will come.
And now about my other debt. As I said in my bio I work at two jobs. One is with a regional government as a policy maker (the job I do not like), the other is as a researcher at a university (the job I love, but struggle with). My main job is at the regional government, I have worked there for five years and it is a job that controlls me and my time. I work form deadline to deadline, and for everything there is some kind of procedure, rule or regulation. Not much creativity asked for. And after five years I know I have this trick down. No anxiety issues just frustrations.
For two days out of my workweek I am assigned to the university to do research. I have a PhD allready so I am supposed to know what I am doing as a researcher. I love this job, and it was a great opportunity for me to be asked to join their team (temporarily for four years). But here is the kicker. I don't function at all at this job. I do not seem to know how to kick my butt into gear and start researching. So I have set this deadline for myself (and with my boss) that I will have a serious draft for an article ready in january before I leave on holiday. And I have not written a word yet. Do not even have a clear picture in my mind how the article will look like. Since I started working there a year ago I have made so many 'research avoiding movements' (ram) that I am getting to be really annoyed with myself. The thing is I know that it is part of my work style. I am like a chicken, I have to sit and brood before I can write, but this brooding thing has gone to far. I have calculated how many days since september last year I have effectively not worked and I calculated 48 days! all together. I consider that a serious debt to my boss. Don't ask me what I have done with my time I couldn't say, played games, surfed the net (how do you think I found you guys), stared out of the window etc.
Since I calculated my lost days I have started to work them off using my friday off day and weekends. I have since then worked an extra 8 days, but that is still 40 days left and last week was a really low point because I started adding to my debt again.
The stupid thing is, nobody knows, everybody is pleased with the work I am doing and is not suspious about the work I am not doing (guess I am a good actor). In the past these kind of situations have always worked out in the end, because I do function best when under stress. But I do not feel good under this stress I create myself, and I feel guilty as hell (probably my catholic upbringing, can't shake that).
So that's my big secret: I am a big fake! And probably simply lazy and undisciplined.
But because I hate to feel this way, I am always looking for ways to discipline myself, hence this blog.
So what do y'all think. Still want me here?