thessalian: (ditz)
[personal profile] thessalian
I've been toying with this idea for a long time now without doing anything about it. I know the various pros and cons, but I never felt ready for that kind of commitment. Still, it became more and more of a good idea as time went on, and eventually, I just gave in and took the plunge.

I've now got a savings account.

I know I'm not very good with money. I used to be, is the funny thing; I was one of those kids who set aside most of her allowance for weeks to save up for a particular toy or book or whatever. I'm not sure how I managed to grow out of fiscal responsibility when most people are growing into it, but I did. I think it was something to do with a lot of sudden, out-of-the-blue profligate spending happening when we lived in the US and, in my twenties when most people are realising they're on their own in the world and need to make good, a complete disregard for an immediate future I didn't think I was going to live to see. Now I'm doing okay, basically, but I still have some bad habits. I still have to make sure that all my important outgoings actually go out immediately after the ingoings go in so that there's no possibility of screwing things up not only for me, but for [livejournal.com profile] dodgyhoodoo as well. Which is fine, as long as I can work it like that. That way I know what I have left and where it needs to go. Since I know I spend a fair amount of money on stuff that I don't, in all good conscience, need. So I think that, if fifty quid vanishes from my paycheque and into a savings account that I'll probably forget about until I actually mean to use it, I won't notice all that much. And having less money will make me more careful with what's left. Plus a savings account is a good place for those odd pounds and pence that always get tacked onto the end of a paycheque; at least they'll earn more interest that way.

Part of what this account is for is the upcoming handfasting. At £50 per month or thereabouts, I should be able to afford the rings by the end of August if I kick in some of September's spending cash. (I've been pricing rings over my lunch breaks recently; the area around my work is crawling with jewellers who specialise in this kind of thing, and they're not that expensive when pressure-hardened carbon isn't involved.) Which gives me another four months to start working towards the dress, the catering and the venue. I am thinking about this, just very quietly at the back of my brain. It's eight months; frankly, if I can get my passport renewed, get airline tickets and get to San Francisco from London in three days, getting anything else organised is easy. This is why I am a secretary. Heh.

*sigh* I'd put more into that account, but this month is already screaming with things I need to get. New RAM for the Frankenbox, for example, and a monitor that doesn't take up half my desk. Also a couple of new things to wear because the summer, she is coming. Plus it's Beltane Bash this weekend and it'll be a nice change to actually have some money of my own at Beltane Bash this year, unlike last year when I was unemployed, perpetually skint and singularly miserable about the whole thing. But if I'm good, maybe I can manage a little more next month. And anyway, once I've got used to the idea of putting a chunk of my paycheque away every month, I'll keep doing it and actually have a little fund going to afford some of the bigger things (new laptop, for a start). Plus it'll be good to have something put aside for a rainy day, in case of job stupidity.

I am, to a point, developing fiscal responsibility. Go, me.

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July 2012

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