I don't know if I should say I failed the spending fast or if I should say I quit or both. I didn't start at the beginning of the month. And when I got started I denied myself very little. The #realissue with this fast is that I did not include God. It was more of a project and less of a fast.
It helped me do a couple of things:
1. Be conscious of the money I was spending. (Before the "fast" I was just spending until I ran dry)
2. Make a concerted effort to put more money in my savings. (I have savings allocated in my budget, but due to vacation, a big move and frivolous spending, I had not saved AS much.)
3. Stop eating out for lunch every day. I ain't got it.
It also taught me a couple of things:
1. I'm tired of being frugal. Unless forced to do so, I don't think I'm going back.
2. I'm a consumer. Some people are savers. Some people are spenders. I'm just a consumer. I market products at my day job. I buy products people have marketed to me when I get off work. And OH, what a fine job of marketing they have done. (Who's been to City Target? Oh, the joy.)
So I'm going to tell on myself here. I AM on track to save what I said I would save for the year, BUT... I've been using one of my credits cards. #facepalm Not sparingly, not responsibly and I have not been paying it off at the end of the month. This is more or less what brought on the fast (that I didn't really do).
So I paid these jokers off in February 2012, then I ran one up by the end of July. It's not maxed out and it has the lowest APR (and I cut it up this week and erased it off of my online shopping accounts) BUT I'm becoming more and more comfortable with carrying a balance. That cannot be good. Habits are HARD to break.
I'm going to take some time to come up with a game plan for paying this one off w/o sacrificing my savings goals. Stay tuned. Probably need to call my financial planner. Maybe he'll read this and call me first. I'm scared. Prayers and advice (and scolding) are welcome.