Confessions of a Checking Account.
Last night, I finished reading Confessions of a Shopaholic. Granted, it’s not the most stimulating literarture on the planet, but it had its merits. Namely, it fouxed on a very real epidemic infecting millions of people around the world: spendtoomuchicitis.
It’s running rampant, especially in those under 50, with a heavy presence in the “just-out-of-college-with-a-credit-card” demographic. It’s tragic, really, the lives ruined by spendtoomuchicitis. There’s not much that I have done to prevent my own diagnosis, but I am working hard on the remedy.
Truth is, I have never been that great with my finances. Terrible, actually. My dad is probably laughing as he reads this. If that man had a blog… hoo boy… you probably would not see much of me anymore! Anyway, I keep trying to change, or at least I’m saying that I’m trying to change, but for some reason I always seem to not do too well. The only reason I have been able to not be evicted from my wonderful life in New York City is because 1) I actually do have a job 2) I pay my rent and utilities in full and 3) I make just enough side income that I can afford to pay slightly more than the minimum on my credit card balance every month.
My emergency fund is barely existent (I believe we’re in the “blastocyst” phase) and the only reason my credit card debt came down even a tiny bit is from a little thing I like to call SELLING MY CAR FOR THOUSANDS OF DOLLARS. You see where I’m going with this?
Well, I have finally decided enough is enough. I HAVE to start tracking my funds. It’s like logging your blood sugars. You may know where you are on any given day but do you really know WHY? Do you have any semblance of an idea how you got there and what you’re going to do about it to either keep it that way or fix it? Either way, it’s logging numbers. And I HATE that. But this is the price that you have to pay when you want something.
As far as the book is concerned, it’s cute and funny. It’s very blog-like, actually, but not poorly written like some rambling memoirs tend to be. And it’s NOTHING like the movie. But I also liked the movie. But the only thing that was the same, basically, are the characters’ names. The plotline is entirely different. I liked both though, so if you’re looking for an easy, fun read or a cute chick flick movie for a Friday night with the girls, I highly recommend it.
They actually might motivate you to change your life.