Chicky Finance

Discovering what it takes to say "NO" to spending "YES" to saving

PROGRESS

Hello everyone! Welcome to Chicky Finance! I started this blog in mid January after reading several PF blogs; I got so motivated that I decided to share my "not so smart" mistakes and hope that someone else can learn from my miscalculations at the same time witness my journey of becoming debt free! More

DEBT-O-METER

CC Start 1/12/08: $25,970

CC Debt 11/15/2008:$16,450
Car Loan Start: $27,540
Car Loan 11/15/08: $18,434
IRS: $5000
Current IRS:$4,900
Thanks God no Student Loan!

Things I need, Things I want

Let's start with What really I NEED to buy;
*Jeans- I really need one. I have only one jeans and I ruined that one a couple weeks ago since then I have no jeans to wear :( I spilled something on it and whatever I used, I could not get rid of the stain. I don't need a new Jeans anymore b/c I've finally got rid of the stain.5/28/08

*Sexy Lingerie-check I go lingerie shopping once a year and it covers me for whole 365 days. The only problem is I used to buy all my lingerie from Victoria'a Secret, now I dont know what to do..Perhaps Target?

*White shirt-check I need this desperately needless to say it is only for work.

That's it!

What about WANTS?

*Digital Picture Frame- I saw one at Macy's for $69, I thought it was reasonable. I guess I'll wait a couple more months on that because there is a big possibility the price might go down even more. check!

4 comments:

  1. My Crazy Debt said...
     

    Needs versus wants. I am constantly asking myself, "Do I NEED this or do I WANT this?" Most of the times I'm just not sure so I'll hold off the purchase and normally by the time I get home I know that what I wanted was just that a WANT.

    Jeans are a necessity in my book, just don't go overboard and pay a lot. Most of my jeans are Faded Glory, yep Walmart's brand. They are cheap and if something happens to them I really don't care.

    Maybe you should get a few pairs of cheap jeans and a nice pair of midpriced jeans for going out?

    The white shirt - if you need that for work then you should probably go ahead and get it.

    Sexy lingerie - I think you should get a few pieces here and there, buy them on sale. I've seen VS online and they put stuff onsale all the time.

  2. nklsmom said...
     

    JC Penneys have great lingerie and they're reasonably priced. I would look there before anywhere else :)
    good luck.
    xoxo-nklsmom

  3. nklsmom said...
     

    7 no spend days isn't that many to me.. I am shooting for 20 but I doubt I'll make it. I find that if I stick to my budgeted items I don't spend anything extra. I don't count groceries or gas.. No real "tips" other than to multi-task. If you have to spend on a few un-budgeted items do it on the same day. Good Luck! :)
    xoxo-nklsmom

  4. J. Savings said...
     

    sexy lingerie is ALWAYS a necessity :) that's all i have to say.

Post a Comment