Not Buying It

Not Buying It! Part 11

This is Part 11 of my 90-Day “Not Buying It” Challenge.  Inspired by Judith Levine’s book Not Buying It.
You can read my previous posts here: Part 1, Part 2, Part 3, Part 4, Part 5, Part 6, Part 7, Part 8, Part 9, Part 10.
Here are my rules for the 90 days:
* No shopping except food and essential items
* No new books, clothes, or music
* No eating in restaurants or buying take-out
* Try to use up food items that are already in the house
* I’m still allowed to pay for dance and yoga
Day 71: My friends have a get together.  It’s low key.  We hang out, talk, play cards, listen to good music.  It’s really nice.  And free!  This challenge is definitely slowing me down a little, but i’m finding there are plenty of things I can do without spending money. Actually, hanging out with friends is a thousand times better than heading to Target!
Day 72: I’ve got my coconut curry prepared for a week’s worth of lunches.  My son asks me, “Don’t you get tired of eating the same thing every day?”  Um yes, actually. Yes I do.  But I’m too lazy to cook more variety.  So it’s worth it.
Day 73: Snow day!!  I’m still working, but it’s nice to have a day at home.  This allows me to make some phone calls.  I call Toyota Financial again, and sure enough, they charged me an extra payment last month right after I paid off my balance.  They say there is a check in the mail for me for $395.  Phew!!  This is going to help a lot.  I also got $20 back from Sprint for an overcharge.  Jeesh!!! You really have to be on top of these places!!
snow day
I cook a vegan omelette using chickpea flour and Daiya vegan cheese.  Yum!!  I used to miss eggs a lot before I discovered chickpea flour.  If I’m craving a savory, hearty breakfast with some protein, this does the trick!!
Day 74: Of course, the minute I pay my car off the dealer sends me an offer for a brand new car.  Same payment as I was making before.  Believe me, it’s tempting!!!  Because who doesn’t want a brand new car?  I’d love to have a back-up camera.  And a car without dings in the bumper.  But no way.  What’s even better than having a brand new car?  Having no car payments!!!
Day 75: The weather is still in the teens, so instead of going outside for my daily walk, I go to the fitness room at work.  It’s not the greatest.  It’s in the basement which always makes me feel a little claustrophobic, especially when there are no windows to the outside.  But it’s fine, I go on the eliptical for 30 mintues, and also lift some weights.  It’s been a LONG time since I’ve done strength training with weights.  If I want to see progress I’ll need to be consistent.  But I’m not sure if I can make myself go into the basement regularly!  Should I join a gym that I actually like?
Day 76: Payday!!!  And this is an extra paycheck!!  I usually get two checks a month, but this month I’m getting three.  AND, it’s my birthday!!!  I spend over $100 on tickets to a dance show for myself and my family.  It’s an awesome show and totally worth it.  My friends were performing, and it was great to show support, and to have my kids and mom meet my friends.  Such a fun night.  We also went out to dinner before hand.  Normally my mom would treat me, but I invited some extra kids along so I wanted to chip in.  Technically this is considered a “cheat”, but hey, it’s my birthday, so I’m giving myself a pass 🙂
Day 77:  You will not believe what I just did!!!!!  I PAID OFF MY STUDENT LOAN!!!!  Done, done, and done!!!  Only took me…  18 years?  I don’t even want to know how much interest I paid over the years.  I wish I could have paid it off more quickly, but a year after I finished my master degree I had my daughter.  Two years later I had son.  Then I was a single mom, working part time, and really really really broke.  So I always paid the minimum.  It was really just a few years ago that I started to pay extra.
Paying off the full amount today was a bit more than I could afford, but I wanted to do it so badly I decided to go for it.  This means by the end of the month I’m going to have some credit card debt again.  A vicious cycle!!  But I’m pretty sure I’ll be able to pay it off and not pay interest, otherwise that would be a pretty stupid move…
Progress to date: credit card paid off, car loan paid off, and student loan PAID OFF!!!!!  I feel like I should have a graduation party 🙂