I am a spendthrift

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Thank you very much.

Today, I will be writing on the theme of "I am a spendthrift".

✅Sharing Issy's private life.
It covers a wide range of topics such as meals, travel, and outdoor activities.
Please take a read.📚

:

It's sudden, but

✅I consider myself a spendthrift.

This is because credit card payments accumulate without me knowing, and before I realize it, they can swell to tens of thousands of yen.

Why does this happen?

I analyzed this.

The reason is,

✅I realized it is due to a lack of planning.

At one point, I would go to convenience stores or cafes every day after work, claiming I was tired, and buy some kind of junk food.

I would say nonsense like, 'The coffee is an investment in myself and includes the cost of the seat,' and pay 500 yen per cup, which is not a negligible amount. I decided to use cafes only on occasional days off.

As for junk food, I kept spending money on it because I thought it would be canceled out if I went for a run after eating it.

So far, there has been no change in my weight, so in that sense, it is physically canceled out, but financially, it does not 'cancel out'.

The money spent does not come back.

I was wasting it.

I was unknowingly squandering money that should have been saved for when I occasionally meet friends or family.

I lacked planning.

I want to review my monthly expenses once again.

First, I decided to check my credit card statements one by one.

Then, 40 items appeared for which I didn't know what I had spent the money on.

By simple calculation, I was spending money every day, and furthermore, the purpose of that spending was unknown.

I thought this was bad.

I realized that I am a spendthrift.

Therefore, from now on, I want to keep my food expenses down to 40,000 yen per month.

I estimate that I had been spending about 50,000 to 70,000 yen until now.

First, I will reduce it even a little bit.

I will use it for lunches and dinners with important people.

I admit that I am a spendthrift.

And, I will spend when I should spend.

I will use it for things that are truly important, things that help me learn, and things necessary to achieve my goals.