It’s no shocker that living in NYC is expensive; it’s mainly the rent, because I save a ton of money by not owning a car and paying for gas (a monthly subway pass is only$104 which offers unlimited rides, and I’d rather walk than take a taxi anywhere) but one thing that really creeps on your wallet is the temptation everywhere of food, shopping, and just living! I have a serious addiction and devotion to Starbucks, and I go through good periods where I can control my habit and only buy it a few times per week. But lately I have been buying my delicious soy creations (iced coffee with soy or soy mistos) at least once per day, if not twice! I am obviously a gold card holder there so I get free drinks every 15th drink, but those have been coming quite frequently if you catch my drift…
I have been doing my best to get out of the debt I collected since I was 18 (way too many credit cards) and last month I actually paid off 2! I have done a great job at figuring out how to eat healthy on a budget, but I need to remember that by factoring in exactly how much I can spend per paycheck on coffee and other goodies, I can further improve my financial status. Enter in my famous: each time I don’t buy a coffee, I put the amount I would have spent in my savings to go towards a credit card. I have easily accumulated $15 in a week, and that small amount goes really far! The faster I get out of debt, the faster I can focus on beginning a career that I actually love. I want to work in health and fitness, coaching others on how to live a healthy life and have it be delicious and fun. That can’t really happen successfully until I don’t need the amount of money I need now to pay my bills and rent. I am more than happy to have a job that doesn’t pay high as long as I am happy. I want to make sure my career path helps others in a positive way and is challenging.
Anyways, that’s what’s been on my mind all day (every day!) but I assure you I have been eating the same things as yesterday I did not have a morning workout today so I am planning on a spin class after work, so I will definitely be making an iced coffee around 5:30 or so to get my energy level up! It sure does suck to work til 6:30-7 every night and have to work out so late!
Have you ever been in credit card debt?
What small ways do you save money?
Do you have normal working hours?