New Year, New Bills

Hey Boo-

I have to say, this year is going to be one hell of a year. I am looking to buy a house, move to a different area, and finally get married! There’s way too much going on, and it’s all happening in nine months! September can’t come soon enough, but the year already needs to slow it’s roll. It’s already the 6th, and I feel like I’m behind.

I feel like throughout my process of getting married, I have thought about some unexpected bills that brides-to-be (or grooms-to-be) may not have thought of. This is a doozy. In my own experience, I am going to have to get weened off of a couple things– aka, a gas credit card, an ezpass, my car payment, my insurance payment, and my medical insurance…just to name a few. I’ve already written down most of these “life” expenses…and damn. On top of being throw to the wolves, (in terms of paying my own bills…lol) I am also discovering a bunch of hidden fees along with this whole…marriage contract.

  1. Changing Your Phone Service This is one of the most painful processes known to man. For me, I am currently on my parent’s plan. In the next couple of months, I will be changing over to my fiancé‘s plan. After doing research, I get to pay a cancellation fee and then pay an activation fee plus buy a new phone! That last part was partially my fault…and partially my driveway’s fault.
  2. Moving Costs Get your friends ready…because unless you have money trees in your backyard, good luck! Moving services can cost upwards of 2 grand…with a coupon. I know I’ll be moving my stuff in my little Mazda 3…with a little help from my parents!
  3. Insurance, Insurance, and More Insurance Auto insurance, home owner’s insurance, your face insurance, dental insurance, medical insurance, mortgage insurance, flood insurance…do you get it? I honestly don’t understand why I’m not an insurance agent. I would be making bank. Anyway, make sure to budget in all your insurance needs when you’re starting your new life.

There are so many more expenses…and I can’t wait to share them all with you! For now, start saving your pennies.

 

xoxo -Kate

 

ps– don’t forget to pay your enormous credit card bill from the holiday season…unless you listened to me, and budgeted yourself!

Penny Pinching is the Way to Go

With Christmas just over a month away, I have already started a list of people I need to purchase a gift for and the amount I expect the gift to cost.  This is a great way to stick to my budget. I have to congratulate myself, not for my low paying job, but because I am almost positive I am nearing the end of what I call my obsession for designer brands. I could easily charge a Michael Kors bag on my credit card and slowly pay it off over the upcoming months, but I don’t. I instead have come to realize that this isn’t going to make me Instagram famous. No matter how hard I try.

I realize there is a bigger picture: there are bigger things you have to worry about than spending frivolously… No matter how much I think a new handbag would bring in a new season or a new necklace would accent my new outfit, in the long run it isn’t the right choice.

It makes more sense to watch your pennies and only indulge in the smaller things such as my cup of Starbucks iced coffee, a milkshake, or a bite to eat once a week with the person I love when we have the same days off.  I am learning my lessons about what I preach about impulse buying, and instant gratification. It’s not ideal and not where I see myself in five years. For now, my wedding planning and purchasing a house are more important than that new handbag I want, or that Tiffany’s necklace I hope my fiance gets me for Christmas. 🙂

Happy planning and happy savings.

xoxo- Kate