Discipline. Ugh. I need some.
I've been applying for home loans. What fun that is. More than anything else the process has made me realize that I need to get some financial discipline and fast if I intend to buy a house. Right now it will take me some time to save up even a modest down payment and closing costs. I need to tighten my belt.
What's funny about this (har har) is that in the last few months I've actually felt like I've been doing relatively well with my spending. I haven't purchased any frivolous computer upgrades or consumer electronics, I have only bought one or two CDs and no DVDs, etc.
I suppose what's funnier is that I consider that sort of spending restrained. I really should take more time to appreciate how fortunate I am.
Anyway, I've been going over my spending and really thinking about it and it's alarming. I know I spend, for instance, a minimum of $60/mo on sodas. Damn. Gotta cut that crap. That doesn't even consider other drinks, or alcohol.
I don't even want to say how much I spend in restaurants.
Other interesting spending highlights:
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I am going to finish my entry about my trip tonight... I promise.