Friday, December 7, 2012

Paying Off Credit and Fighting Impulses

Today is Friday (payday!) and I just finished making my bill paying rounds online.

My strategy for this paycheck was to go ahead and pay the whopping minimum payment on one of my credit accounts and throw crumbs elsewhere.  So I just paid $540 on the card with the $2812 balance, bringing the amount owed down to  $2272.  Of course that's before they add on the finance charges and interest for next month.  

But my new credit grand total is (drumroll!!!!) :  $9790.78

Ugh.  That's still a large amount, but it's progress, right?   The bad things about paying so much on this particular credit card are that (1.) the account is closed and (2.) even if it were accessible the balance is still over the credit line, even after my payment is applied.   This means that if I need gas or something before I get paid again, I won't be able to use the card---in other words, that money is just gone. 



I have about $75 to grocery shop and hopefully my plan to cook for the week (or try to) will work out.  I will have to eat in the cafeteria at work one last time, but after today, no more.

Last night I almost fell into the trap.  I tend to be overcome with random interests and I'll buy a bunch of stuff and then put it to the side a couple weeks later (wasting money).  My latest kick is makeup.  I've been watching tons of makeup tutorials trying to learn this or that.   I've actually been practicing but the finished product never looks like it should.  I think most of it is my technique but 'they' say that the more expensive brands like MAC and Urban Decay are more pigmented and blend better than the cheap stuff. 

So anyway, I sat on my computer at the MAC cosmetics website actually contemplating buying 15 eyeshadows for $196.00.   Or I could get 4 for $57.  I was seriously considering it.

But then I thought about the goal at hand.  First of all MAC is way overpriced (it costs $15 for just one eyeshadow color!) and if I had caved, I probably would find myself still unable to create the look I want.   So I decided that I should continue to practice with the inexpensive low-end 88 color palette I have.  As I improve my skills, I can move on to better quality products when I know what I'm doing. 

And probably most importantly, I likely wouldn't wear the makeup out of the house anyway!  I just like the art of transformation and I just want to know how to do it if I wanted.  Maybe I could then do some Youtube videos or create makeup tutorials or something.

In other words, it's a fledgling hobby and I don't really need to spend all that money on it right now. 






I have the palette from Coastal Scents.  I paid about $12 for it a couple years ago. 


In the end, I did order an eyeshadow base and a blush from another makeup site for less than $20.

I'm kind of proud of myself.  

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