Girls Write Out
Wednesday, March 04, 2009
So I'm 42 and I discovered this new concept. It's called a budget. B-U-D-G-E-T. Here's what the word has meant to me my entire life. "I want X, so I have to make Y." Simple math really.

I found a picture of me in my convertible Volvo from years' back, and I look oh, so happy. Dh doesn't believe in car payments, which meant the Y number really went up when I got married, because I am a car chick. And I drive a beater for no one. Jesus, please don't test me on that one.

So back to the budget. Hubby looked at the Visa bill (where he makes me put everything to keep an eye on me) and he told me my trouble spots:
Whole Foods
Espresso
Borders
Barnes & Noble
Hannah Andersson (Elle's clothes)
The Lego Store (My boys are fanatics)

Now, in my defense. The kids have to earn their money through allowance. Dh says: "That still doesn't account for the book stores."

I spend an insane amount of money on books. And I hate the library. It brings out my OCD side. Don't want to touch someone else's books. And I seriously had good intentions. But then, I am interested in all sorts of things and I heard this anthropologist on XM talking about how love and chemistry work. And I needed that book. So while Seth was in guitar, I'd just pop over to Los Gatos (best coffee in the world, but I didn't get one!) and go to Borders. They were out of the book. BUT, they had a new MAEVE BINCHY book!!! I thought WHITETHORN WOODS would be her last for awhile, but nope. There it was.

Here's my ray of hope. I spent $20 instead of $70, which is my normal bookstore amount. SO yay! I am $50 richer! And Kristin math continues.

What's your weak spot?
Kristin  
posted at 1:40 AM  
  Comments (24)
 
 
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24 Comments:
At 6:53 AM, Blogger Pam Sanderlin said...

Ha!Ha! You do math like I do--especially when bookstores are involved!

 
At 7:02 AM, Blogger Colleen Coble said...

My weak spot is now Babies R Us. LOL I've never had much trouble spending money on myself. It was always much more fun to spend on the kids. And now I have Alexa! :-) Oh it's gotten ugly!

 
At 7:51 AM, Blogger Suzanne said...

Right now it's loose leaf tea. We've got the cutest little tea shop just down the road and once I start opening the lids and smelling the different teas I can't stop myself. Before I know it I've spent $20 on tea.

But it keeps me caffeinated and happy.

 
At 8:38 AM, Blogger Barb said...

I would love to be able to buy every book I want to read, but I've been trying to buy only those I feel I will read more than once.

I heard of a study that was done that showed paying in cash caused actual pain from parting with the money. What a motivator to spend it on something good!

 
At 9:20 AM, Blogger hotcoffeenow said...

LOL, we must've had the same math teacher. And I hear you on the library book thing - gag...who knows what they were doing when they read that book, ugh.

My current weak spot is Lucky Brand and Lucy Activewear. Clothing....that's it right now. Oh, and sheets. I've been buying up sheets like crazy. I have no idea why, but somewhere in January I decided we needed all new sheets. LOL

 
At 9:57 AM, Blogger Jessica said...

Seriously.... PaperBackSwap.com has saved my budget! Amazing site and I get at least twice as many books for the price of one! Waiting list is the only drawback.... Not so good if you're impatient (like me) so I still spend an ungodly amount at the Barnes and Noble. But now I'm thinking that I'm actually spending about the same when you take into account the new bookshelves to put all the new books.... hmmm must rethink this. :) Tell hubby there's worse things to be addicted to! LOL

 
At 9:57 AM, Blogger Denise Hunter said...

Eating out. See Monday's post. LOL

 
At 10:42 AM, Blogger Kristin said...

Oooh great addictions! I was surprised clothes and shoes weren't an issue for me, but I don't really do that very often. Except for the kids.

Loose leaf tea, those scents are addicting, I can get into that one.

I want to get a Kindle. Maybe that would help. I won't buy used books just because I know the author doesn't get their cut. As an author, that makes me feel guilty.

Barb, the cash thing doesn't work for me. I actually prefer cash, but Dh wants a tax record. SOOO annoying, but since he puts up with me, I put up with him. Isn't that romantic?

Sheets. Oooh I love a good sheet. I think JCPenney has the best. They're like $149 when on sale for King size, and it's not just the threat count that matters. I like them soft before I wash them.

Eating out is more trouble than its worth for us during the week, so that one is good. YAY. But right now am craving new sheets and loose leaf tea. Maybe this wasn't such a great idea.

 
At 10:59 AM, Anonymous Anonymous said...

We are major budget folks--using the Dave Ramsey method of cash in separate envelopes for each category. So I'm always carrying around a bunch of cash. Kind of a pain--but definitely working for us. We own both our cars free and clear, and only have one credit card balance left--to be at 0 by the summer! Side note: read the newest Maeve Binchy this past weekend (couldn't put it down, got very little else accomplished) - loved it!

 
At 12:08 PM, Blogger Kristin said...

Lori, congratulations on the debt going down, that is SOOO exciting. Good for you! I'm so ADD I'd lose all that cash, so it's better for me to do the ATM point of sales.

I haven't started the book yet, and now I'm going to wait until the weekend because I don't have time to "not put it down". I LOVE her. : )

 
At 1:47 PM, Anonymous Anonymous said...

Definitely books and coffee. If I don't find clothes I like, I spend any leftover money and then some on books.

 
At 3:10 PM, Blogger Jeanne said...

Hi!

I'm new to your site, Colleen. But I just read a comment you made on Michael Hyatt's blogsite for first time authors trying to publish and, since this is the 2nd time your name has come to my attention, wanted to check in.

My granddaughter turned 3 in early February. The first 2 years virtually killed my plastic accounts (as this grandbaby was way over due) and I found myself picking up things for her while still in my daughter's womb. Now my daughter complains about all the "stuff" she has to pick up off the floor day-in & day-out. So, I've backed off. (sigh)

Bookstores are always hard to resist (Borders or Bust!). But I love Amazon, too, because I can browse from home before settling upon more from an author I've discovered and love... the best way to "ruin a Saturday off" is to take my own barely-used novels to my local trade bookstore and wile away a few hours as I anticipate receiving a trade voucher. Sorta like shopping with the same money twice (if you do MY kind of math). Ha.

I'm currently editing my 2nd novel for the UMP-teenth time... go me.

Later! :O)

 
At 3:19 PM, Blogger Colleen Coble said...

isn't Mike Hyatt's blog great, Jeanne? I check in every day. The Nelson team is so terrific. Glad you made your way over.

My grandbaby is way overdue too! I was 56 when she came along. I made my mom a grandma before her 40th birthday and I expected the same consideration from my kids, but it didn't happen! I'm just nuts about our little angel. Sounds like you're nuts about yours too!

 
At 5:16 PM, Blogger Diann Hunt said...

Just got to read this today--I've been babysitting the grandkids. :-) So, yes, the grandkids are DEFINITELY my weakness. I'd give all I own to see their little faces light up when I walk in the door. My clothes have been threadbare since those kids came into our lives!

 
At 5:18 PM, Blogger Sarah said...

I use Clorox wipes to wipe down all library books, so now I'm good with using them. Don't tell my librarian. Somehow I don't think she'd approve of me taking matters into my own hands...

My weakness used to be getting Chai lattes from the Starbucks at work, but do you know, they sell that stuff in concentrate at the grocery store, and if you add milk and heat it up in a pan or in the microwave, it tastes exactly like the stuff from the coffee shop? Boy was DH relieved when I discovered that one. Much arm-twisting on his part led me to it. I even went to Sam's Club and bought disposable coffee cups like you get at the coffee shop because the whole washing the cup out in the yucky sink at work-thing didn't appeal to me. So now I figure my Chai addiction costs me about 75 cents to $1 per day, vs. the nearly $4 I was getting into the bad habit of spending. We've also cut out most of our eating out and that's really helped.

Oh, for books I love this place called Ollie's. They actually have a great Christian book selection. You can get books for 3 and 4 dollars. They usually don't have them right when they come out, but if I keep a close watch, after a few weeks or months my favorite authors often turn up. Even a few by you all here.

My husband and I now carpool to work too, so that helps on gas. It's amazing how a few little changes really add up. We're finally saving like we need to and hopefully will have enough to put down on a house before we get old and gray. :)

 
At 6:29 PM, Blogger Betsy said...

My problem is food. Since my children are on a special diet, it is all about Whole Foods and Vitamin Cottage. I should own stock in both companies!

Another common charge is Hannah Andersson - my children love the organic cotton clothes. I love to hit her clearance sales!

 
At 8:32 PM, Anonymous Anonymous said...

I have been visiting your site for quite some time now...awesome site! I LOVE books too! I have the same icky feeling about library books too. Have a great week!

 
At 8:43 PM, Blogger Beth said...

Books and scrapbooking supplies and gadgets.
The last sale that my favorite Christian book store had I spent so much that I qualified for free shipping. Admittedly I had saved a list of books that I wanted and waited for the sale.

 
At 11:14 PM, Blogger Jenny said...

My weaknesses are buying books and clothes for my two dd's.

My 8yo dd has been reading since shortly before she turned 3, so I've been at it quite a while with her. She has over 350 books of her own - oh and the school Book Fair is tomorrow...can't wait. *g*

Picked up a really cute b/w polka-dotted jumper with a shirt today for my 2yo dd today - for two bucks! I *love* clearance racks!

 
At 11:54 PM, Anonymous Anonymous said...

Bookstores! Most definitely. I CANNOT go into a bookstore without money to buy at least one book from my list, though it's better if I can buy two. (Because invariably, when I buy one, it's a book I randomly chose and end up never finishing because I just couldn't get into the characters.) I've even gone into bookstores resolving to buy a CD that I had been waiting for, and I'll end up choosing a book. It's just too hard not to pick novels!

 
At 12:02 PM, Blogger Wendy said...

Books and yarn. I do use the library but I still purchase books and use paperbackswap.com. I don't have the library issue many of you mentioned but you have me thinking. I love to crochet and have way too much yarn.

 
At 1:12 PM, Blogger Jeanne said...

Oh, Colleen, I'm glad you understand about FINALLY linking arms around a grandchild for the first time. I was 54 when my daughter became pregnant and it was a high-risk endeavor for her to even consider going to full term. She spent the last several weeks in the hospital (forget about celebrating Christmas or my birthday). We were praying round the clock that she and that tiny child (so eager!) would both pull through when the Times Square Ball dropped that year. (Sigh). When it's supposed to be, you just have to know that God has a hand in it! When she was born, she had everything--bright blues eyes, curly hair and all toes and fingers in place. Even though she was no more than 4 lbs.

So glad I found you--and the link to M. Hyatt's website at Thomas Nelson. I'm learning so much about finding my way into a writer's career.

Later! :O)

 
At 10:17 PM, Anonymous Anonymous said...

I like your math, too. Bookstores are definitely my weakness. My husband "banned" me from Barnes & Noble (as a joke - not seriously) - so I got a part time job there so that I could go. I even told them in the interview that I wanted the job because my husband banned me from the store :)

 
At 11:43 PM, Blogger Kristin said...

Now Carla, THAT is the way to interview! I love it.

 

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The Authors
Kristin Billerbeck
Kristin Billerbeck is a proud Californian, wife, mother of four, and connoisseur of the irrelevant. She writes Christian Chick Lit; where she finds need for most of the useless facts lulling about in her head.

www.KristinBillerbeck.com

Colleen Coble

Colleen Coble writes romantic suspense with a strong atmospheric element. A lovable animal of some kind--usually a dog--always populates her novels. She can be bribed with DeBrand mocha truffles.

www.ColleenCoble.com

Denise Hunter

Denise Hunter writes women's fiction and love stories with a strong emotional element. Her husband says he provides her with all her romantic material, but Denise insists a good imagination helps too.

www.DeniseHunterBooks.com

Diann Hunt

Diann Hunt writes romantic comedy and humorous women's fiction. She has been happily married forever, loves her family, chocolate, her friends, chocolate, her dog, and well, chocolate.

www.DiannHunt.com

Hannah Alexander

Cheryl Hodde writes romantic medical suspense under the pen name of Hannah Alexander, using all the input she can get from her husband, Mel, for the medical expertise. For fun she hikes and reads. Out of guilt, she rescues discarded cats. She and Mel are presently taking orders from four pampered strays.

www.HannahAlexander.com

 
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