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3.18.2015

Spending Triggers

this month hasn't been nearly as good on my finances as last month, and it's only the 18th.  i haven't gone too crazy, but i have purchased things i probably didn't need.  not at all in line with my spending frost.  perhaps it's the warmer weather?  being out of the house more?

let's see, what have i bought unnecessarily this month - apartment cleaning service but i should probably just factor this into my monthly/bi-monthly budget, it's so worth it, 2 different books which strange for me, because i previously only owned 1.  i'm a library girl but 1 was a vegas guidebook john wanted and 1 was a book i read via free ebook format and decided i needed to own, quest bars because i dunno they make breakfast easier what can i say, a couple of beers on st. patrick's day, a new brita water bottle, pizza on my diet cheat day, and an order of groceries on instacart.  (and a birthday lunch and a birthday dinner for two friends but that was totally necessary.  i love them and they did it for me in november.)

i think we're all surprised to see candles missing from that list.  i'm holding strong, for now.  but the b&bw lilac is desperately calling my name and i think i might cave soon, like in  the next week, because we used to have a lilac shrub in our backyard so it reminds me of childhood and springtime. and the blooming of the lilac tree was the sign for us to go to the greenhouse and pick out flowers to plant.  i always picked lamb's ears, because they're soft, fuzzy, and easy to care for and whatever, regular flowers bring bees and bugs.  and i was a weird kid anyway.  if a candle can bring back all those memories, i'd say it's $12 well spent.

seems that my spending triggers are related to convenience and things to make my life more pleasant.  convenience because i clearly don't want to cook breakfast (or pizza) or clean my apartment, or shop for a huge order of groceries myself.  and pleasant because hey, beer is fun.  and so is filtered water, books you want to re-read, and candles.  i think everything on the list is related to life being busy and slightly stressful right now.  work has been insane this year - i don't think i've stopped since coming back from new year's.  when i'm not at work, i'm house hunting with john or attending events i couldn't come up with an excuse to get out of.  so online shopping relaxes me and i can avoid cleaning and grocery shopping too.  the wonders of the internet.

if only there were a way to relax without spending money.  and also without giving up convenience.  i'm still finding my happy medium.

there's some plus sides though.  (a) it is still way way way less spending than i spent during months prior to the spending freeze.  i haven't taken any cabs and i bring my lunch every day.  and (b) i have not broken down and bought any clothes, which i see as a huge success.  i love online window shopping and have an extensive wishlist going at modern vintage boutique.  i mean, right?

http://www.modernvintageboutique.com/

but, no clothes shopping until i get to my goal weight, which is the next goal i'm tackling on my 101 in 1001 list (just 1 year to go!)  also, i just lost 26 lbs in 1.5 months without working out so this goal isn't particularly difficult for me - i'm just lazy and i really, really, more than any normal person, love nachos.  regardless, it's pretty motivating, having lost the weight that quickly, to not clothes shop just yet.

but i'm coming for you soon, modern vintage boutique.  please don't sell out of that shirt yet.  (not a sponsored post, i just think their stuff is adorable and my usual loft is totally disappointing lately, right?)

alright, back on the wagon.  i don't want to have an embarrassingly extra long 'spending recap in march' post for you in 2 weeks.

92 comments:

  1. Oh god, I don't even want to think about that! I'm hoping we can just find something and stay there forever, that would be the dream!

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  2. it will be nice, once we find a place, to be able to stay for a long time. But the hunt just sucks, I'm so over it!

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  3. Only 15? That gives me hope! We're only at 5 and I'm already over it. Fingers crossed the next one will be it haha. But 15, I could do 15. That's reasonable.

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  4. We are looking at just land and thinking about building. It might even be easier at this point, we'll see! The hunt just sucks.

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  5. I don't mind moving actually, I'm so used to it now. If only we could trade services :) The hunting is killing me!

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  6. I know! I thought I would like the planning part as well. And I don't totally mind the online hunting, but the in person hunting - I hate it. I did not realize how tedious and boring and frustrating it would be for me.
    It's good that John and his dad can figure out all that pricey fixer upper stuff, because I'm clueless!

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  7. 12 is much more reasonable than 100! We're getting a jump start so I don't feel pressured when time starts to run out, but I'm still so over it. It's still stressful!

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  8. We've been to 5. I'm hoping the next one is it, I'm so done. We actually did like house #4, but it already sold I think (it's listed as 'off the market' 2 days after we saw it.) So the hunt is still on!

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  9. We're actually working with RedFin, and the agents get paid every single time they show up and show us something, so I definitely don't feel bad at all. I just hate doing it!
    I think I might do that - just send John out. We've seen 5 and I'm already just done.

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  10. I love that plan. I'm going to try it. They're terrible at making decisions but I think it's worth a shot to save my sanity!

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  11. It's awful, I'm so over it. And we've only seen 5 places!

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  12. mmmm nachos. i love nachos with all the love.
    that lilac candle sounds amazing and my last 3 wick one just ran out so i totally need some more. i was doing well this month but i needed new work tops and then i just got new running shoes. maybe april will be my month.
    congrats on losing the weight, that's awesome :) definitely motivating.

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  13. It makes be BONKERS. When John complained about pink paint, I almost clocked him. It wasn't even like, painted tile or a textured wall. It was just a flat wall, painted light pink. The easiest thing ever to fix.

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  14. Yeah we don't have the area narrowed down at all, because we could live in so many different spots in Chicago and enjoy it. it's hard! I wish you were here to help me, that would be so much better :)

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  15. Great job with the weight loss - that's great motivation. And the shirt, it's cute. (totally agree with loft btw)

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  16. The shows are so fun, but real life house hunting is NOT at all like the shows. So sad! I hope we can just see like... 10 houses, that would be way better!

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  17. ugh I sure hope so! I haven't had that feeling yet, but I've also never been attached to any space I've been in so I don't know that I will. John will, hopefully. That'll make it easier!
    I can get past paint color, but not structural stuff. John's dad is like 'well take down this wall here and do this...' dude, what?! No.

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  18. 50?! Noooo don't tell me that, that's too many! We're only at 5 and I'm not sure I can last 2 more weekends of this. It's exhausting!

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  19. I definitely want to get something nice so we don't have to resell for a long, long time. If ever. I'd just like to stay put!

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  20. You're a crazy house hunter though, you looked at and attempted buying so many places! I don't know how you did it.

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  21. 47?! That's a lot, I can't make it to 47! Neither of us have totally loved a house yet, though we're only on house 5. If John finds something he loves, I'll probably just go with it. Hunting is exhausting!

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  22. I really wish it was! The shows had me thinking it would be fun at least - no. not fun at all.

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  23. it's exhausting. And hard. And taking forever! I feel like rentals are easier because you either allow dogs or you don't and boom, decision made. When you buy - everything allows dogs. So hard.

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  24. John is really into looking at places where he can fix stuff up. I want it to just be done so I don't have to go through what you're going through! I think I would hate it more than hunting.

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  25. It is, we've actually been looking at just land so we can build what we want! If we go that route though, we'll have to rent for another year instead of buying in August. Which is fine, it's just another thing to consider. So we're all over the place haha.
    Man, is house hunters coming to Chicago? I could use their help!

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  26. I hope we don't have to see 100, I WILL DIE. It's so hard seeing them just online though. It helps narrow it down, but 2 we really liked online but totally hated when we got there. And we're only at 5 houses seen in person and I'm exhausted!
    I do love renting, but John wants to own. Personally, I love not having to fix things or be responsible for stuff like snow removal. Renting is so much easier!

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  27. I just found out my own parents took a year to find the house they're currently in! A year. I just cannot. I cannot look at 100 houses, and I cannot do this for A YEAR. Why can't real life be like house hunters? WHY?!

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  28. I'm definitely not a fan... but I should be an expert by the time this is all said and done, so feel free to ask any questions. I'll be honest... BECAUSE NO ONE IN THIS BUSINESS IS. lol... ohhhh still smarting from all of it.

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  29. I completely agree. I love getting a good deal and being a cheapskate, but when it comes to the house - I feel like I'm already so tired of looking that if something good comes along, I'll just jump on it because I don't want to wait any longer and keep hunting! I'll have to let John's dad do the negotiating (John sucks too) so we don't overpay.

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  30. Yep, they have been great! We can work with whichever agent is available at the time, and they get paid based on us giving them a good review at the end of each session. It's very convenient for everyone I think. Plus they can all access our previous viewing history and notes so everyone is up to speed on our likes and dislikes :)

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  31. good job with the weight loss. that shirt is so cute.

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  32. hold the phone- how did you lose that much weight? give me all your secrets. seriously, i'm struggling. Also- do you have a leaning service you like? I need to do that asap.

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  33. you just lost a small child in weight! Say what?! That's awesome. Candles are a must for me this time of year, as the boxers smell like hot dog when they get baths on the regular (which they do during the warmer months).

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  34. Thank you :)
    I eat nachos every single time we go out. I do diet cheat days on Saturdays (or cheat meal at least) and I have gotten nachos every single week since the beginning of January. I can never get enough.
    I need new work tops too, that's on my list. Saw your running shoes on twitter, they are lovely!! Totally worth it.

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  35. I've had a lot of unhappy unexpected expenses lately. Like a flat tire two weeks after I bought a brand new set of tires, and of course I didn't get the road hazard warranty. A windshield wiper that decided to die right as the snow ends and we have a week of rain, and my phone dying a very horrific death.

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  36. Thank you! I love MVB lately, they have cute things. Loft has been so disappointing, since I usually love their spring/summer stuff. But everything is kind of high collared and boxy, just rather boring.

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  37. Thanks! Few more pounds to go, but it's all working so far so I'm pleased.
    I love MVB's stuff lately, I'll probably be placing a large order soon... whoops!

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  38. Oh I will email you about the weight loss! It's easier than I ever anticipated, and I've definitely struggled in the past.
    For cleaning, I use Handy. They're always running discounts - I think first time users it's just $29 for 2 hours, which is perfect timing for our 2 bed apt. (and for first time I mean... just use a different phone number, that's how they track it. I've gotten $29 cleanings from my cell, my work, my roommate's cell, John's cell...) Hopefully they have it by you, they have it in a lot of big cities!

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  39. You look great! Like, I didn't recognize you at first. You will have to post soon about your weight loss plan. (please!)

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  40. haha a small child!! I like that!! Makes it sound even more impressive :)
    I agree, Hawkeye smells more this time of year. She goes out more, we walk by the park and things so she gets all the dirt and grass smell stuck in her fur and then smells like the woods when she's inside. It's not awful, but it's not exactly lilacs and lemonade either.

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  41. You got this sister!!! You've lost that much in less than two months and no workouts?? WOW how???

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  42. I mean when their models are that gorgeous everything looks so dang cute on them!!!! Hold in there!!!! Those candles won't be going anywhere!

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  43. I'm totally impressed that you haven't bought any candles or clothes. And now I totally want a lilac candle. Also, you're kicking ass with your diet!

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  44. Ohhh I think you need that candle!!! I think I need that candle too. And umm 26 lbs in 1.5 months? That is insane! What did you do because I seriously need to be doing whatever that is!!! And I haven't heard of Modern Vintage Boutquie before, but I am with you on the Loft disappointing as of lately!

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  45. Lilacs make me think of being younger too. We always seemed to have them at all the houses we've lived in. You can always come out and help me organize my mom's house when they're blooming this spring! Although a train ticket is just as much as the candle .... haha.

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  46. I need an entire post (or 12) on how i can lose weight STAT.... because, pizza and st. pattys day beers

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  47. Hi my name is Lindsay and I have a serious problem. Quest Bars. I seriously cannot buy boxes of that stuff because I'm afraid of eating it all in one setting. No restraint here. lol

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  48. That shirt is lovely! I hope it's still available for you! :)

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  49. healthy eating is SO IMPORTANT when trying to lose weight. my coworker dropped nearly 40lbs simply by eating right and he didn't workout one bit! keep it up!

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  50. You go girl on the healthy eating! It's huge.

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  51. Way to go on the weight loss!! The shirt is too cute and they have a lot of cute stuff. I would totally add a cleaning service to the budget. Worth it!

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  52. Okay, I think a weight loss secrets post is in order! I would love to drop 26lbs, congrats! Are you still using YNAB for budgeting during your spending freeze?

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  53. 26 lbs in a month and a half? Please, share your secrets!

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  54. Yes, edible glitter is easy to find, but DISCO DUST IS PLASTIC CRAFT GLITTER and it's NOT edible. Disco dust should never be used on, or in food. It's not an FDA approved food additive--it's a scrapbooking supply.

    Edible glitter is made from sanding sugar, gum arabic, or gelatin. It can be purchased or homemade.

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  55. I'm very sentimental about lilacs too! We had a huge lilac bush in the yard growing up, but apparently they don't exist in Florida. I was ecstatic when my mom sent me that same lilac candle for Christmas! Glad someone else understands!

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  56. 26 pounds in a month and half?! Congrats and holy crap!

    My spending triggers are more related to me feeling better about myself than convenience. It's perhaps why I stay away from stores and can't even make a decision about how to spend my Amazon gift card.

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  57. Congrats on the 26.5 pounds! My triggers are definitely convenience & spending time with friends...aka fun...

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  58. OMG a year is a really long time!! I would go nuts. I mean on the flipside it gives you a chance to save even more money for house things right?

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  59. So you should be done right, because that's 3? Bad things in 3s. God that is way too much to deal with, I hope nothing else hits you!

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  60. Thanks Rachel! I think I will, people seem to be interested!

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  61. I think I'll do a post on it, if people are really interested! But basically a mix of the dukan diet and the slow carb diet. If it's good enough for Kate Middleton, it's good enough for me!

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  62. Their models are SO pretty, they make everything look fabulous.
    Still holding strong on the candles, but it's hard!! I WANT THEM but I don't want to give in to the desire just yet - it's definitely not a need.

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  63. I'm going to cave on the candle soon, I can feel it. I just want the lilac one, maybe I can send John to go get it - he'll actually leave the store without buying anything else like I would!

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  64. Loft is just lame lately, everything is boring and boxy. And overpriced. MVB is so much better, I want so many things from there!
    I think I'll do a post on the weight loss, if people are interested. But I can send you an email if you want!
    The candle will probably happen this weekend... I can't resist.

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  65. haha oh metra, you ruin everything! But I can definitely come help organize :)

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  66. st. pattys was rough but I actually didn't gain weight from it, so the diet works! I think I'll do a post on it eventually, people seem interested. I did write a whole long email about it to Helene that I can send you if you want!

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  67. haha!! They are so good right?! I haven't had a flavor yet that I don't like. Easiest breakfast ever.

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  68. Me too! I don't want to order it too early and jinx myself in the weight loss department... but I want it!

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  69. Yep, that's me! It's definitely all been diet related, haven't worked out a minute beyond walking to and from the train, which is less that 10 minutes one way.

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  70. Thanks! I actually found a plan I can stick with, it seems easier this time around. Or maybe I'm more motivated, who knows.

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  71. Thanks :)
    I am loving MVB lately, I want like 10 things right now.
    I think I am adding the cleaning service to the budget. It's inexpensive and it's definitely worth every penny.

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  72. I am! I love YNAB, I track everything with it. It helps a ton because usually I don't want to have to track something more than I want to purchase whatever it is. Laziness wins :)
    I think I will do a weight loss post, people seem interested!

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  73. I think I'll share a post, people seem interested! But I can also send you an email if you want, I've been behind on posts lately so who knows when I would get it posted.

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  74. Aww that's so sweet of her! I didn't know they couldn't grow in Florida. I still live in the same area as I grew up in, but I feel like I see WAY less lilac bushes than I did growing up. Maybe they're hard to care for or something?

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  75. Yes, send me an email!!!

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  76. Thanks!!
    Oh man... I think I could spend that gift card for you if you want... ;) I definitely don't have your restraint. But if you find something that makes you feel better, I vote go for it. Anything in particular you're eying?

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  77. Thanks!
    I've been trying to get my friends to do cheap/free stuff. I keep picking places with cheap options for dinners too, but beers on the weekends still get me.

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  78. I hope. I keep reminding myself that its all alright. I haven't even had to touch my emergency fund for it. I just hate that it feels like wasting money, even though wipers, tires and a phone are necessities.

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  79. Congrats on the 26lbs. How did you do it? I don't want to buy anymore clothes until I'm at my goal weight either.

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  80. I have those triggers too, it's called: Target + Stress. I work 3 minute driving distance from a Target and Ulta and Walmart.. It's DANGEROUS! Plus there's a mall and a shopping center with Nordstrom Rack and Old Navy. I'm honestly proud of myself for not spending more than I do. :) Power to you chicka! You got this :) Congrats on the weight loss and keep it up, woop! Have a great weekend Stephanie! -Iva

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  81. want a spending trigger that is really hard to resist, try Target is going out of business.. now that has blown my spending all to crap. lol

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  82. I actually lost 22 but I work out. Teach me your weight losing ways haha. I think I should have lost a lot more (and should be looking a lot different) haha. Anyhoo, I have total spending triggers and like you convenience in a stressful time is a big thing for me. Like this week I was working hard on my thesis so even though I have cooked everyday for weeks, I bought salads like 3 times this week. Convenience. Sigh

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  83. Damn it. I just clicked on the link for Modern Vintage Boutique and I fell in love with like, 20 outfits. LOL. I think there are some expenses that we just need to make for sanity, and if spending $ on apartment cleaning helps make YOU feel you can accomplish other things with that free time, it's totally worth it in my opinion. I'm trying to limit my spending, too, because at some point in my life I'd like to live in something bigger than a shoebox. I'm getting there :)

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  84. Thanks! I think I may do a post, but mostly it's just been the slow carb diet from 4 hour body. It's tedious during the week but in my opinion, it works quite well.

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  85. haha! Yep, that would do it. Is everything getting discounted a lot?

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  86. I work right by a target, it's tough! The only thing that stops me is that I have to then take the train and walk to get home, and I don't want to be carting a ton of purchases. So the fact that you have a car and still resist, that's impressive!!

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  87. not as much as I expected but as the weeks go by the deals mount, I just wish i could convince kent I need all the clothing racks because they are an awesome price.

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  88. Mine was all diet. I ate a lot of crap before, so just limiting my diet to protein, veggies, and beans during the week (cheat day saturday) took the weight right off.
    I've been buying convenience foods lately too. When I get busy, the first thing to go is cooking! but at least it's salads - could be worse, at least you're not buying fatty stuff!

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  89. I just saw them announce on instagram, 40% off everything today! Buy all the things!

    Definitely, the apartment cleaning is a sanity saver. I'm just not efficient at it, so it's easier and faster to just hire out and spend my time doing other things.
    We're looking to buy in August, and the financial person said to save another $300 a week until then. Eek! Tightened belts everywhere!

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  90. It's too bad that you're not enjoying the house hunt. :( My boyfriend and I just stated looking at houses, and I'm so happy about it. I love looking from one house to another. There's something about it that makes me happy, not sure what yet. lol. Good luck on the house hunting! I'm sure you'll find the perfect one soon.

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