(*ok, so it actually was a little like this for a couple of months last year. We'd do dinner, cocktails, and end up at the Supper Club at 4am drinking expensive wine and eating expensive party pies [man that relish was good] but we all worked proper jobs during the week, none of this hanging around museums or "writing a column")
Come July, and i meet Steve. Wonderful, amazing, can't-believe-the-buzz-from-being-with-him Steve. And the dating. Dating is expensive, regardless of how you do it. We like eating out. We like going to places that bring us food while we sit and talk, often on a Sunday morning. And we do this a couple of times a week and it's awesome. And builds up in cost. We take it in turns to pay. It's the system that works for us. I've never liked bill splitting on dates, i just don't like the idea of negotiating on who had what. Plus, it means i can let him pay for the first date (while still reaching for the bill, Ted Moseby) with the knowledge that i'll get the next one and we'll be even.
So come April this year, we both decide that we need to track our spending more so we can see where it is going and highlight areas that we can curb (OK, me more than him. He hasn't bought clothes all year, despite not owning a jumper. I, however have spent hundreds on stuff i don't really need. Just look at the screencaps). I could have just used the Kaching app from CommBank. That's actually an awesome bank app, but there are two reasons why Toshl is better than Kaching, or any other app linked to your bank account:
1. You track cash spending. You know, that $20 you took out at the ATM that appears to have disappeared in the 24 hours since you bought it. It went on two lego minifigs, a coffee and spicy beef Sushi.
2. You have to manually enter things. Which means you get the guilt of opening it up, typing in the spending and seeing how much you have spent the last couple of days. And, just like calorie counting apps like My Fitness Pal, you feel guilty, and you reassess things (Side note, if you're trying to lose weight, get My Fitness Pal. I credit that for what is now a 15kg loss and the first time I've had a healthy BMI since i was probably 12. 4kg to go to my ultimate goal weight)
That is ultimately how Toshl works. You input your spending and tag it with a category so you can track how much you spend on each category:
The screencaps are from my toshl since i started using it. As you can see, the two places that i spend the most are on 'dinner' and 'clothes'. Tthe bottom image is just so you can see what the tracker looks like on a day-to-day basis, you just swipe to get to the categories. I have an automated savings plan set up. My pay goes in, my savings go out to my ING account that, in theory, i'm not supposed to touch. But i have. There has been some bad touching going on (naughty). To the point that until i started Toshl i hadn't actually saved anything since December. It would go in, then rent time, or the week after rent would come around and i'd need more money and i would whisk it out again.
And i've been so disappointed in myself. I knew i could save better, i've done it before, on less money than i'm earning now. So why is it so hard now?
My rent is a bit higher than it was then, and being a "single" (financially anyway) renter means the government completely ignores me when it comes to middle-class welfare. And really, so it should. I don't need it. But sometimes, sometimes, i'd like to be rewarded for choosing to live in an apartment, and not drive. Look at all the good i'm doing for the environment! No massive house with split systems in every room. No unnecessary SUV to drive my one kid around from my suburb that's so poorly infrastructured that there is no other choice.
Before you point to the 'dinner' as the reason i'm not saving, i'd like to point something out: i can go to Derby Thai or Gourmet Dumpling house and spend $15 and get enough food for two meals. I can't go to the supermarket and do $7.50 meals for myself that are that good. When you're cooking for one it gets expensive, even if you do make and freeze like i do when i cook. This afternoon i went to the supermarket and got food for two 'dishes.' A soup and stirfry. The soup was split into four portions, i'm hoping to get 3 out of the stir fry. Not too bad on the budget, but at the same time, not $10 Pad Thai. The other bad thing about being "single" in this aspect, is the monotony that comes with cooking for one. I'll have soup and stir fry all week and it just. gets. boring. First world problem i know, but come on.
So, after all that, what else am i doing to help my savings?
I'm doing 'nothing new in June.' The Salvo's did something like this not long ago. Encouraged people to buy less, think about their spending. I often try to do a 'no more clothes til the school holidays' too. This month, however, is nothing that's not a consumable. No clothes, no books, no DVDs, no CDs. Concerts, dinners, groceries are ok, i like my lifestyle and can really afford to maintain it that way. But i'm trying to curb that spending too. Basically means i stop browsing ModCloth and Book Depository. I say no to Kali when she asks me to Chadstone on the weekends. I do not need any more clothes. They're pouring out of my wardrobe and Steve doesn't care if he's seen all my clothes before. He's not going to dump me if i wear the same dress a couple of times or i don't have new lingerie to surprise him with.
I've also cut back on frivolous subscriptions. I was subscribed to Kings Tribune, The New Yorker on my iPad and Last.Fm. All three things which had their uses and were interesting but i just didn't read them or use them enough to warrant the money. I cut back on some charity, but hope to pick it up later (sorry Doctors Without Borders).
At the same time, i'm continuing the decluttering. Every time i come back from Steve's neat, clean little flat i'm angry at my own for being cluttered and full of stuff i don't touch, don't need or don't wear. My local Opp Shops have received lots of my donations, and will continue to get more. I'm just training myself to want less stuff. Coz it is want. I don't need it. I tell myself that i need it. That i need new black boots or flats or winter dresses because i don't have any or the ones i have are falling apart. That may be true, but is there something else in my wardrobe that will work. Probably. I trained myself to want less food, to need less food, i can train myself to want less stuff. I've never been into "fashion" exactly, and in the last two years I've learnt even more to dress to my body and what flatters me, what's "in" be dammed. I want to enjoy experiences, not stuff. The best moments this year have been that, finding new breakfast places, to having macarons, to seeing Dashboard live again, to laying in the sun on a friday afternoon with the girls or being wrapped up in bed with Steve sleepy on a Sunday morning. THEY have been the best things this year. Not that dress, or those shoes. They probably never will be the best things, even if they are on sale. So it's training myself, that's all it is. Training myself that want and need are different and Mel, you really don't need that.