It is the last day of March, time to check in on how I have done this month with money.
This is my second #ByeDebt blog, here is the link to the start of my journey.
I have been in credit card debt for years, but at the rate I am going, this journey should actually be over quite swiftly! I'm so grateful for this time of discipline, while working for minimum wage. It is forcing me to LOOK at my spending habits and learn to be less "airy fairy" and more realistic. Money smart! I am very fortunate to have the opportunity to live with practically no bills (besides my car / phone) right now, to help move me up and onwards!
Let's check in.
I am back at the coffee shop, here on Haida Gwaii!
If you have been following My Mythic Life here, or through Instagram (@phoebedykstra) you will already know how grateful I am for this job as it is helping me in a multitude of ways.
By choice, I am working 4 days a week.
I have been promoted to weekend manager!
I make just over minimum wage.
Guess how much money I made in tips this month?! (I am keeping track in the "Monefy" app)
In 18 shifts (slow season - tourist season is right around the corner!) = $805.00 (average $44 a day)
This is much more than an extra paycheque!!
Thank you Masset, BC for being so generous!
How am I doing with spending?
I'm extremely disciplined, eyes set on the prize!
I purchase only the essentials at the grocery store.
I look for the best price, I choose no name brand!
*I put an exclamation because, past Phoebe would not have been caught dead / would have barfed in her mouth at the thought.*
I do not plan to live like this forever, but I am taking this lesson, to get money smart, seriously.
Luckily for me, my mother's highest happiness is nourishing her family and she also happens to be an AWESOME chef!
Making my grocery bills are low, when prices are higher here than anywhere I've lived. #islandlife
I am not shopping.
When tempted, I ask myself why I am wanting to shop.
It took me 2 weeks of borrowing my mom's broom, pondering if I should buy one then comparing prices on the island, before I bought one! Do I need a dust pan? Yes, Phoebe, go for it.
Alright, so, I have had 2 paycheques since I checked in at the end of last month.
From each paycheque I put $400 towards my credit card.
In total, this month I was able to put $800 towards my credit card!
I had $91.27 in interest charges as well I purchased my own song on Itunes!! (http://www.mymythiclife.com/home/my-1st-song)
OWING TO MY CREDIT CARD:
FEBRUARY. 28, 2019 - $5,798.18
MARCH. 3, 2019 - $4,892.33
It took me 1 year to get this credit card from maxed at $9,000 to here because I didn't make any spending changes!
I have a goal of being debt free, having my own money, #BYEDEBT by my 31st birthday, July. 29.
I intend it to be be much sooner!
I have been getting a lot of positive feedback from people who are also motivated, on this journey. People who are straight up thankful that I am openly talking about this, often tip-toed around, ignored, VERY COMMON subject. Please share with the people you feel need to see this!
This could be torture or this could be FUN, the choice is mine!
Love, Phoebe Dyk$tra