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Fiscal folderol

I liquidated my Savings Bonds this afternoon, which I probably should have done a couple months ago, and dropped the bulk of the proceeds into the yawning void of my checking account. This puts the account back in the black and gives me a little folding money for gasoline and groceries. It also summons forth the black dog, since this was the last remnant of what I got for the house when I sold it in 2003 and moved to the far reaches of West Bloomington. Not all that much, really, and now all the savings I have are in the Cardboard Box Fund, where the IRS will (quite properly!) crack me across the knuckles for drawing on it.

Well. I suppose if I'd been more careful about my spending these last few years I wouldn't be in this situation, but oddly enough for someone who comes from a family of bookkeepers and accountants, I've never been much good at fiscal discipline and clamping down on impulsive spending. These next couple of months, I'm going to do my damnedest to avoid buying anything aside from what I have to have, which means cutting back on lunches and dinners out. One of the useful tools for tracking this sort of thing is the Personal Spending Report on wellsfargo.com; it's impressive enough at tracking what I do with my debit and credit cards that I've never gotten around to making use of Quicken, which has sat undisturbed on Cowzilla ever since I bought it.

This weekend: shopping, gaming, 12 Monkeys, and data entry.

Comments

( 2 comments — Leave a comment )
fsf_rapier
Oct. 29th, 2005 12:31 pm (UTC)
Please contact me at my personal e-mail address. One of the services we offer is a free financial needs analysis that shows how you can take the money you have now and channel it to better serve your needs and desires.
Like I said, there is no cost for this service and no requirement to buy, just let me know if you would like to set up a time to sit down and we'll come to your place and talk about it.

Sean Novack
Senior Representative
Primerica Financial Services
snovack@comcast.net
wombat_socho
Oct. 29th, 2005 09:14 pm (UTC)
I'll keep that in mind.
( 2 comments — Leave a comment )