Online shopping: The dumb stuff I bought last year.
The only way to get out of debt and cut out wasteful shopping and spending is to get organized. Looking at my credit card statements was the only way to know how much I was spending from online shopping. So, it was time to look at the VISA, MasterCard and American Express bills.
Going through my year-end credit card statements is like a compendium of all the dumb stuff I used to do and did last year. Online shopping- yes. Food delivery-yes. Bored shopping- yes. Online shopping- yes. Restocking fees- yes.
I paid $100 as a restocking fee on a chair I bought and didn’t like. It was a huge chair for my balcony and I regretted it after I ordered it. I thought I needed furniture on my balcony. Because if you have a balcony, one must purchase furniture to complete it. Right? Wrong.
It was an online purchase. And an impulse buy. I didn’t even realize there would be such a large restocking fee. I paid $100 for a chair I don’t even have. That’s pretty dumb. Because I felt obligated to have furniture on my balcony.
Just because I have a balcony doesn’t mean I need to buy furniture for it. This is a topic covered very well by the minimalists who have an interesting podcast I recommend.
2017: Less stuff. Fewer online purchases. More charitable giving.
Online Food delivery: I spent $769 on the food delivery service Postmates. That’s like $70 a month for online restaurant delivery: alcohol, burgers, Chinese, and pizza delivery. It’s like a lazy tax. I was tired and hungry and didn’t feel like getting in the car. Poor me. What a waste of money.
Luckily, I now realize how dumb this spending is. Also, I quit drinking about 6 months ago, so there will be fewer (hopefully no) future alcohol deliveries.
The one thing I didn’t spend enough on is charity. There are some token charges here and there, but clearly it wasn’t a priority last year. Gotta change that.
I’m a big fan of Donors choose and a few other worthy charities. I’m hoping to budget and give regularly next year.
Upward and onward this year!
What about you? Leave your thoughts in the comment section.