SLIDER

To bike, or not to bike: that is the question

March 31, 2013

Since spring has finally sprung here in my hometown, I have been itching to get outside. I already love running, and I can't wait to do that and prep for my 2nd half marathon in September. But lately, I have been wanting to bike.  I live very close to trails and within biking distance of all major shopping areas. Yet, I'm unsure if this will be a worth while expense for me. Bikes can definitely be expensive depending on what you get.

Because of my job(s), I have to drive. That is something that I can't change, but I'm still struggling with the pros and cons of this expense, should I decide to purchase a bike.

Luckily, there are some cheap bikes out there. I could probably get a decent one that will get the job done for $300-$400 without any bells or whistles. I have also seen many very expensive bikes ranging from $2000+ which is just ridiculous in my mind, unless that is your primary mode of transportation or you are a professional rider or something.

The 2nd issue I am faced with is if I will even use it that much to make it worth while. I know I SAY I will, but things always change and I'm worried that it will just go to waste. I mean, we don't have a very long summer as it is.

We will have to see. I'll definitely have to budget for one, and If I end up scoring a great deal, I will let you all know!



Monthly Expenses

March 23, 2013

To continue on with the fact that I want to budget out every cent I am spending in April, I decided to see exactly where my money went the last 30 days.  Again, to see if there is any category that I can cut down on.

I have always found it interesting to see how people allocate money. I understand everyone has a different situation, but that is what makes it interesting.  This did make me realize I have to spend less on random shopping such as new clothes and little trinkets. As well, I bought way more fast food than I wanted too this past month.  On the bright side though, I still spent way less on coffee than normal.   March is also a huge birthday month for me.  It seems that a lot of people close to me have their birthday in or around this time, causing a major hit to my bank account.


Lets hope I can increase my savings and cut down the fast food and shopping categories for next month.  Yet, I think I am doing pretty well cutting down my disposable expenses,  which makes me realize I need to start finding ways to increase my income. Hum....

Where in the world did my money go?

March 16, 2013





You know that time when you put your mind to something, then you take a few steps back? Yeah, that has been March for me.  Can't say this has been the best month for putting my frugal ways to the test. But I suppose you need to fail to learn right?

Definitely made some bigger purchases this month that were wants and not needs. I've noticed that my  perception of those two extremes is still flawed. I suppose I didn't need that pair of heels, that picture frame... and mind draws a blank. Clearly, there's my problem. I don't even remember everything that I have purchased this month. Because of that depressing revelation, I decided that for the month of April, I am writing down every single purchase that I make, no matter how small.

I'm hoping that this tracking system will allow me to see where my money is going, and the areas I need to cut down. I already corrected my coffee problem, and you'd be happy to know I have only purchased a coffee once over the last two weeks. I'm darn proud of myself for that, definitely a step in the right direction.

So, starting April 1st, lets find out where all my money is going, because I evidently can't be trusted to keep mental notes.  Fingers crossed!... Maybe I should start practicing in March.