Let’s Talk About Money

You guys want to talk about money? We aren’t dating so I think it’s safe.

There was a time when I would tell you that I was good at saving money. I had some moolah in the bank set aside for emergencies, and I had a nice 401(k) going. I felt pretty good about things. The day after I felt good about things, I lost my job. Then right after that, I got a new job but I made signficantly less money which was okay because it was around that time that I gave up wearing glitter eyeliner* which can get pretty expensive. I felt good about that because the day after I gave up glitter eyeliner, I paid off my car. I felt exceptionally good about that and the day after that, my car fell spectacularly apart. Nine times.

I don’t know about you but I can often feel very discouraged about money, especially when I think I’m ahead and then later in the day I find myself underneath my car on one of those rolling scooter things looking  up at the new break in my bushings. Just last week I was preening over the small amount of money in my savings account when I got a call from my doctor asking me to come in for a biopsy because she found some questionable cells on my person.** This biopsy will fall into the category of “stuff I have to pay for out of pocket because insurance sucks anymore and I have a very large deductible I have to meet,” which means the money in the bank will be sent to a medical professional very soon and I’ll be back to square one. I’m thankful I have a square one because a lot of people don’t even have a square. They have negative squares.

While I’m talking about saving, I’ll also discuss spending. That goes a lot like this:

Madre: Jimmie, I found these great boots that would fit over your gladiator calves. You should look at them. You’ve been wanting some for years.

Jimmie: I don’t have the money for boots that fit over my gladiator calves. They are expensive. That is a lot of leather.

Madre: But you had money last week. Where did it go?

Jimmie: No, I didn’t have any money. You misheard me.

Madre: Is that a TJ Maxx bag?

Jimmie, as I kick the bag under the bed: No.

Also while I’m talking about spending, I will tell you that I took two trips last year I didn’t tell you about, one with Phranke and one with Daisy. And I’m booked for a cruise with My Girls in about seven weeks. After that I have a trip planned to Key West and another planned for New Year’s Eve, and then in 2017 Woney and I are going to Spain. “No money!” I whine. Well why the hell not?

I have found a sort of solution for this problem of mine. This will sound like I am selling something in an infomercial and I totally am but not in the way you think. I’m telling you about it, trying to sell you on it, because if you are like me even a weensy bit, you could do far better with your finances and you require someone being sneaky to make you do it.

Go out to the Google and type in the word Digit. It should be the first web page to pop up. Basically you just connect your bank account to Digit and they take care of the rest. I stole this wording from their website: Every few days, Digit checks your spending habits and removes a few dollars from your checking account if you can afford it. Easily withdraw your money any time, quickly and with no fees. Bank-level security.

It sounds scary, I know. I read a thousand reviews before I did it. With a squinched up digestive tract, I got out my checkbook and connected the two. Ten months later I have saved almost $500. $500! Do you know how many car repairs that would cover? (Answer: one.)

Initially Digit tiptoed around in my checking account and said, “Perhaps she won’t miss 92 cents. I think we can safely take that and she will be okay.”   Then they got slightly more aggressive and took amounts like $1.19 and $2.52. After a time I asked them to be even more aggressive and amounts like $33.04 were deducted. Not once have I missed that money. I’m of a mind, apparently, that if the money is where I can see it, I can spend it. If I don’t see it, I don’t spend it.

I know that this whole post sounds like I have become a sponsored blogger, a brand ambassador, but I have not. Once someone asked if they could share my Christmas post with their church and once someone asked if she could use a comment of mine to help a friend, but that is the extent of my fame with this here blog. Those two things. I’m just really excited about Digit because it works for me.

Every so often Digit sends a link attached to my balance text message letting me know that I can boost my savings by $5 for every friend I refer. While that $5 would be great (it would go towards the fund for repairing my broken air conditioner which I know is broken because the WINTER WEATHER we are supposed to be having is not cooperating and my house was 85 degrees the other day and it only got hotter when I turned the a/c on), I am not attaching that link here. I get nothing if you sign up except the satisfaction of knowing I recommended something that has worked for me and the hope that it will work for you, too.

Visit if you like. Let me know if you liked/hated it. Digit.

Also, feel free to give me advice about my money. Budgets are kind of sexy, but creating one is not and I suck at that it seems.

*Martie got me some glitter eyeliner for Christmas so I’m back in business!

** We are not worrying about this biopsy. I am totally fine. I just have to prove it is all.

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3 Comments (+add yours?)

  1. Martie
    Jan 15, 2016 @ 11:48:04

    Excellent! You can do this, all of it!

    Check out my post today, http://www.ahairinmybiscuit.com/friday-etsy-favorites-organization/ for a great little printable budget planner! (I know I can spam your post with this, since you’re my sister. HEEHEE!)

    Also, I may consider this Digit thing. I also highly recommend that you do share the link that will earn you some money…why not? If you’re recommendation encourages one person to sign up, you’ll have $505!

    (I’m not getting an email that you published a post, not even in spam. Wonder why?)

    Reply

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