Trapped

So it's been awhile since I posted something here. I had a week of celebration last week (as you can see in the photo) and have a week of work/project. I was not following my receipts nor monitoring my bank account for awhile. I stopped listening to my financial podcasts for two weeks. See, even with motivation, I still didn't follow my plan.

But it's okay. It's okay that I spent some time and money with my friends before we go into the real world. It's okay that I didn't feel like listening to educational daily Podcasts for my personal finance. It's okay that I stopped recording my finance journey on this blog. It's okay.

As long as I get back on track.

One of the things I have a tendency of doing is being too harsh on myself when I make a mistake and giving something up altogether. So this time, I will not do that. I will give myself a break so I can get back on my path to my financial independence.

Cheers to those of you guys who are struggling like me and we will get there.

Financial Mistakes I'm Making

As much as I try to improve my personal finance, I still make so many mistakes.

Here are a few:

1. Savings account: remember how I did a research on savings accounts? I still haven't made my savings account. Here is my thought process. I currently don't work and don't have direct deposits set up to my checking account. The bank I'm trying to open the savings account with has a deal where they give you $300 for opening up a savings account if you have a direct deposit set up with them. So that's why I didn't make one because at the time, I was debating if I should go back to my part time job or not. But I decided not to (or should I????). Then I got lazy and here I am, still not saving. I shall do this tomorrow. 

2. Tax report: I have been planning to do my tax report way ahead of time but I only started yesterday. I'm usually not this bad with my tax report but I am being lazy this year! I don't know what it is... I guess I wanted to research more about taxes before I started doing mine to ensure I'm not making any mistakes on mine, but now that I kinda studied (aka listening to one-hour-long podcasts about taxes), I don't think I know anything more about my taxes (the podcast episode didn't talk much about filing tax reports as a student). I guess I will finish this this week too.

3. Coffee, tea, and other beverages: ahhhhhhh!!!!!!!! This is the point I struggle the most with. I hate using tumblers because it's hard to see if they are clean or not, it's hard to clean them, I hate when they stain and when they smell, I hate carrying them around, and even if I finish everything in there and put it in my backpack, the chance of it spilling something in my backpack is high....The list goes on! I actually tried to carry a mug around but not having a lid became a problem in my car. Some day, I will find THE perfect tumbler, but until then, I'm going to struggle with this. Another thing is that my boyfriend and I enjoy spending time at cafes. We love getting a cup of coffee at a quiet cafe we go to and spend time together studying. I'm going to try to limit this to 3 times a week so we don't spend much money on this anymore. 

4. Receipts: I must admit, I hate looking at my bank account especially when I'm not making any money and am only spending it. This is why I haven't organized my receipts every day. I usually wait 3-4 days and then do them all. I'm kind of getting better at checking my bank account balance though...

Excuses, excuses, excuses. But hey, I started somewhere and I'm aware of my mistakes. So now, the next step is to improve myself. I can do it. What are some of the financial mistakes you make everyday and how are you trying to improve them? Let me know, please, so I can learn from you guys. Anyways, cheers to all of you guys who are working your asses off to achieve your financial goals and we can do this!

Email: bchoisg1@gmail.com

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