Excess = too much, overdone, indulgence, surplus...you get the idea.
It is the way of the world. Especially here in America. Including me.
I don't realize that I overspend. It isn't something that I set out to do. I know I have used the term 'retail therapy' a few times, but I don't really go on sprees very often. Yet somehow, it happens. The credit card bill at the end of every month shows it. No, I am not the only one that uses the card, and no I do not use it only for superfluous purchases. But I still feel guilty every time money is mentioned.
The majority of my extra spending is on the girls. I know this. I have a very hard time telling them no. The first ten years of their lives was a constant no, and it sucked. They are teenage girls, and they are constantly requiring this or that. I say requiring...I am sure that they wouldn't perish from not having a majority of those 'requirements,' but I do want them to be well-dressed and able to participate in whatever they choose. It gets expensive.
So every time some financial surprise comes up, or Chris mentions the credit card bill, or when he is paying bills...I feel like he is angry with me. Like I am the reason that he has expenses. Like he would have no monetary concerns if not for me. Like I am a burden.
I saw someone's New Year's resolution on Facebook was to spend only what was necessary. To make purchases only if it was necessary. To stick to that 'Wal-Mart' list and not stray from it. It got me to thinking. How possible is that? Could I do it? Not if I take the kids with me! However, how hard would it be to only spend/purchase what was necessary, or a true requirement? I would like to try it.
So with all of this in mind, I have a few questions for you. I would really like to hear your thoughts. It seems this is an area that I need help with.
- How do you budget your expenditures each month?
- Do you take your kids shopping with you? (groceries/household items)
- When do you indulge, and what do you indulge in/on?