January and Broke!

20171224_070945.png

The dust has settled, the excitement of Christmas is over and despite all the December planning and budgeting for the longest month in the history of longest months; January has arrived and here you are pockets pulled out, broke and mourning the seemingly longest wait ever for payday!

January has traditionally been the month of very dry pastures for me for obvious reasons. We go crazy in December spending what we don’t have on things we can’t afford or really want. 

The spending becomes so addictive -because some stores slashed their prices by 60% – that you forget to put some money aside for a ‘rainy day’.

taking_out_no_money.gif.gif

I suck at managing money; I know, I know, there are thousands of free resources that can assist with that. But I’m also lazy.

Lazy to research, lazy to read, lazy to plan. We all know the things we need to do to get what we want but we never do it, right?!

Anywho, January always caught me with my pants down -as if I didn’t go through the exact same thing year after year; you’d think I’d learn my lesson- and having to ‘scrunt’ until payday.

In recent years though, with my bad-ass winning at adulting self, I decided to make a few adjustments -because it was always trial and error for me- so that I didn’t have to deal with the bane of being broke.

Here’s how I kinda survive!

original.gif

Pay bills in advance

During December, we get paid our salaries and any other pittances in the first two weeks, yay! No not so ‘yay’, this also means that next payday is like 100 weeks away. To avoid defaulting on  bills, I pay those shit in advance.

So instead of stressing out about starving to death and my electricity and water getting cut, I only stress about starving to death. 

Stopped buying Christmas gifts

My family is small and my friends circle is even smaller. Most of my Christmas gift shopping was out of guilt anyway or just as a formality (depressing I know). I stopped that shit completely and swapped it with time (yeah corny I know).

Time with loved ones, gathering together under one roof. Eating, drinking, nostalgia and being merry. Besides shopping for people that already had everything, became a bit redundant.

Skip eating out 

This is a no brainer, but all those groceries I stocked up on in December were for this very reason. Skip the restaurants and the fast food joints and save yourself some cash. Besides, 99% of the time whether or not the food is good is a toss up anyway.  Come on, you know this.

Meal planning

So meal planning is becoming a thing in my home. It saves a lot of time and money because you write your list based on what you will be eating for that week or month then you shop accordingly, at least that’s how I do it.

You avoid “oh look they have lollipops, I want that” aka compulsive buying. Unless you planned on cooking lollipop soup that’s not on your damn list! You also avoid a lot of food wastage. I’ve had to dump tons of spoiled food because I shopped randomly for things that I ‘might’ cook.

Stop spending STAT.

You’d think after coming off that binge spending kick for the holidays you’d be done with it. Seriously, stop spending!

Entertain yourself at home

Hey, you know that 50″ plasma you decided to ‘treat yo self’ with for Christmas? Use it! Justice League wasn’t that great anyway. Besides, you wasted money on some fancy shmancy  internet gadget (that you’ll hardly ever use) that gives you free movies even before they’re produced.

If you want the feel of the movie theater pop some popcorn and invite your friends, tell them to bring their own shit…haha

Stop treating yo self

Seriously! I mean come on, this treat yo self campaign has given everyone an excuse to splurge on shit they don’t want, do shit they cant afford all in the name of treating ‘yo self’.

The dynamic of the debate of  ‘do I really need this or do I just want it’ has changed to ‘fuck it ‘ treat yo self’. Of course with the bullshit we go through in life, it does warrant a ‘treat yo self’ now and then. But treating yo self every damn day is a one way ticket to Brokeville (unless that’s what you’re into).

What about you? What are some of the ways you save and manage money…? Let me know in the comments will ya!

2018

 

Loved this post? Share, share, share. Don’t forget to subscribe via email, follow me on Twitter (yay I have a twitter ‘yoll’, well let’s say I revamped my twitter ‘yolll’, heeeyyy!!!) and WordPress for more of my on and on and on and on ramblings oh oh, you can also find me on instagram🙂

 

 

65A03FEAE21F3A5C43AC8E6B4DE0AC232

 

 

 

 

 

 

 

Advertisements

57 thoughts on “January and Broke!

  1. middleagedwarrior says:

    Wise words, Lady. I am so skint I don’t know how I’m going to last until payday! Very true about the treating yourself culture. It’s such a cynical ploy to get you to spend more money. I’m hopeless with apps as well. Best advice? Don’t spend money!!

    Liked by 1 person

  2. Brownsugar Allen says:

    december brokesness will teach january endurance then if u survive u nuh u can do it all over again year end to month end muah!!!! well if ur circle of friends so small where u get time to buy gifts out of pity…. go hunting for that bottle of 5c,10c,25c,1.00

    Liked by 1 person

  3. anonymouslyafroirish says:

    Hahahha I love the stop treating yourself point because it is absolutely true. I use that excuse waaay too often for someone that’s broke. Hahah I am going to be hearing your voice in my head every time I think as such from now on! Happy New Year to you and your family ❤

    Liked by 1 person

    • kedawithani says:

      Haha haha. .. so when you do it you’ll know you didn’t really need that… hahaha. .. thanks same to you (()) I think those are hugs🙈it kinda looks like a vagina though but they’re definitely hugs!

      Like

  4. Debs says:

    As much as I loved this post, why didn’t you share earlier? 😪😪😪

    Don’t mind me, it’s a great list and it’s so applicable to every day life as well. I’ve always learnt the hard way and I’m getting better at it now 😁

    Liked by 1 person

  5. ashsbeautycorner says:

    I def need to do all of these!!!! I definitely believe in treating myself everyday and going out to dinner every night as if I’m some socialite and then be looking crazy when my bank account is less than desirable. Thanks for the tips!

    Liked by 1 person

  6. openmouthsgetfed says:

    Is that lollipop soup made out of Charms blowpops? Because if it is, I’ll have mine in strawberry and will take seconds.

    You know this post is right up my alley. From this post I’m getting the impression that money management is more your thing than you think it is. Good ways to keep yourself solvent until your next check. I used to manage my money by getting my direct deposit split between bank accounts with different purposes. http://openmouthsgetfed.com/2017/12/31/all-hide-no-seek-you-dont-have-to-budget/

    I still have all the bank accounts, but now I also follow a budget. http://openmouthsgetfed.com/2017/11/16/paying-bills-a-budget/
    This allows me to responsibly use a rewards credit card to get cash back or travel points on my purchases. The budget keeps my spending in check so I don’t OD on trying to earn points. I did just treat myself to Coachella tickets though soooo….

    Liked by 1 person

  7. agoodlittlegirl says:

    We trade off movie nights with friends where we watch a CD or turn to a TV program. The hosts pop the corn. After a few electrical outages, the amount of food that had to be dumped made me ill. So, like you, I plan and I shop weekly. The less groceries in the fridge the less chance of tossing what was decent food into the trash. Argh!

    Liked by 1 person

  8. mydaisydaze says:

    Excellent post; clever, funny and practical. I’m prepping to do a talk to some folks finding themselves out of work and budgeting was a portion of my agenda. With your permission I’d like to include a link to this blog post…thoughts? It will make them smile, and think.

    Liked by 2 people

  9. Ely says:

    Well!! I needed these lessons right about now! I am so broke I can’t even joke about it I mean WTFFF was I even thinking!!!!!! But you’re right, the whole “treat yo self” trend also needs to end lol. It’s just not necessary!! Thanks for the tips! Xoxo

    Liked by 1 person

    • kedawithani says:

      Hahah… well what I think is “fuck it you only live once, you’ll survive…!” Then I go on to “suck salt” till pay day and sucking on salt is no fun… lol I think thats the stupidest thing we tell ourselves to justify our recklessness.. lol🙈🙈🙈🙈

      Liked by 1 person

  10. Jad says:

    This was my first Christmas back home with my family so I can be excused for the shitload of spending I did…. I was smart though, I gave my daughter a budget and had her do all my Christmas shopping for me!!

    Liked by 1 person

  11. floatinggold says:

    The comic strip was funny. So many people can related. Good tips. Saving money is not fun, but life happens and planning is somewhat necessary in the financial aspects of your life.

    Like

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

w

Connecting to %s