peligro! : why i can no longer go to whole foods.

i rarely plan to go to whole foods. as a relatively new vegetarian still vainly attempting to recreate meat on her dinner table, sometimes i do find myself needing to get a specific item or two that i can only find contained within their four posh and perfectly manicured walls (have you seen their produce displays?)… but very rarely. usually, i find that i end up there accidentally (usually with a wealthier and far more health conscious friend), as a victim of  a “do you mind if we pop into the whole foods for a sec, i just need to grab some tomatillos and a cask of bulgur?” situation.

yet however i wind up there, the result is ALWAYS THE SAME. i can literally not enter through those sliding doors for more than 1 minute, without spending at least $20 (usually, on a single 10 lb. salad). like somehow, $20 is the cost of the ferry ride to get to the other side of the pricey health food river styx. as my ENTIRE GROCERY BUDGET FOR THE WEEK IS $30, this is clearly a problem.

well, that problem occurred yet again today. after a fantastic coffee date with my friend rob, he uttered the dreaded ” just need to pop in and grab a few things!”. in theory, i was supposed to drop him off there and keep on walking toward home base, but it was cold… and we were still talking… and ooh are those blackberries on sale for 2/$5? just like that i was in the door with a stack of produce in my hand grabbing whatever else seemed like a good idea at the time: seaweed & tamari rice cakes? faux buffalo wings? strawberry soy protein shakes? certainly nothing that would pass as a meal or that even have any real nutritional value.

today’s damage- $31. SURPRISE!!! MY ENTIRE FUCKING GROCERY BUDGET! and save for two bags of fake beef tips intended for making stroganoff, everything else was completely unnecessary.  in my universe, that whole store is just one big ass impulse buy.

the dam breaks.

you would think that after the ridiculous amount of money that i spent on eating out last month, i would have been able to do some thoughtful self assessment and reigned it in a little. yeah, thoughtful self assessment isn’t exactly my strong suit. although i do spend a lot of time wishing that i was one of those people who got off on self denial. too bad wishing is a statistically poor way to accomplish your goals.

i’ve actually been quite good with the eating out thing lately, but i’ve slid my attentions over to the retail sector. it starts with a perceived need, for example: i’m too fat for all my summer clothes, and it’s starting to get hot out. although regardless of my pants size, i always get hit with the spring shopping fever and buy everything in sight. i think we’ve already established that i’m top notch at making excuses to do things that are self destructive.

ok, so first i get the fever, and then a shopping wormhole opens in the universe, and beckons me to climb in. this weekend, one opened up in the form of the old navy 30% off the entire store sale. hello 30% off INCLUDING CLEARANCE. maybe i would just stop in for a minute. and by a minute, i mean several hours and two different stores.  the spoils:

3 cardigan sweaters
1 pair of skinny jeans
1 mini skirt
1 sundress dress
1 wide belt
1 pair of metallic flats
9 pairs of underwear

total $110- excellent deal for all that stuff (which might i add is SUPER CUTE), but do i have $110 in my budget for clothes right now? um, no.

under any other circumstances, i might have been ok to lay off for a bit after the first binge… but this week has been tough. i’ve been crazy busy. not sleeping, overexerting myself, not eating as well as i should. and then today i had a little bummer life blip that took me down hard. if i wasn’t so overtired and stressed out, it might not have bothered me at all. but instead, i spent cinqo de mayo crying into my tequila. oh, and shopping.

fuck you kohls. you are far enough away that i don’t think of you often. there is nothing else at your strip mall that tempts me to your area. but today somehow an underwear shopping pit-stop before dance class turned into mass consumption fest given 30 minutes and 80% off signs all over the store. fuck you one day sale.

my shame:

1 retro dress
1 sexy secretary skirt
1 pair spectator oxfords
1 pair canvas booties

total: $58- once again, not that bad… but didn’t i just buy 5 PAIRS OF SHOES? in an act of momentary insanity, i unhinged from my sadness and disappointment, and hinged onto the goodness that is buying whatever you want whenever you feel like it regardless of the consequences.

it’s not that i can’t afford $168. especially for some clothes that fit me and help me look less like a hobo at work. but how i buy them (indiscriminately throwing things into my cart… um, 3 cardigans? 3 pairs of shoes?) seems like the issue. sure i’m paying my bills on time… but something just feels amiss. i suppose it’s better than drinking (i cut myself off after 1 cinqo de mayo margarita), or stuffing my fat face with butter, or going out and having dirty sexy times with random strangers…. but seriously, what do healthy people do? either way, i’m coming clean.

**UPDATE** feeling slightly better today. probably because these $18.99 spectators are so f-ing CUTE (and entirely not made of meat).

minty fresh.

it’s freaky sometimes how the posting stars align. this weekend i was going through an old all you, and i ripped out an article about a free budgeting website called mint.com. then of course there was yesterday’s meltdown about how out of control my spending has been lately. then this morning, i read an article on mashable about how mint.com is now offering expanded services. perhaps the universe is trying to tell me that it’s time to go for a minty test drive?

i decided to screw the research portion of the evening, and go straight to the sign up phase. oh, did i mention that it’s free? it actually felt really bad at first, entering in all my account numbers and passwords. i am aware that mint is a highly respected and secure site, but it’s still a little scary to think how much damage someone could do with all that info just hangin out in one place. but again, i decided to give the anxiety phase the finger and try to get to the good stuff. i was able to plug in both my credit cards, my bank account, and one of my two student loans (bummer that the lender for the larger of the two wasn’t available). i still haven’t sorted out importing my mortgage, but that’s more the fault of me using a small local bank (i do think it’s possible in time though).

regardless of the 2 unimportable  accounts, and the vague uneasiness about dishing out my data, everything was quite simple and smooth. it initially took a little finagling to make sure that all my checking account transactions were appropriately classified so they fell into the right categories.  although there’s a really nice function that lets you apply a classification across a group of transactions, and i found the whole setup to be super-intuitive.

now that mint knew all my secrets, what mysteries would be revealed?  well, as it turns out (as evidenced by the above pie chart), i actually spent more money on eating out this month than i did on my mortgage. those 5 pairs of shoes certainly put an unfortunate dent in there as well. even when i’m balancing my checkbook, even when i’m paying attention, i’m never quite vigilant enough to catch everything that flies through my accounts. i’ve been keeping an excel budget for YEARS that to me seemed fair and reasonable. but when mint made me set up a budget for coffee and movies and restaurants and clothes… it made me realize how insufficient and quasi-delusional my budget really is.  no wonder i was always short at the end of the month (always borrowing from the next paycheck down the line). shame!

because mint looks at all incoming deposits and expenditures and throws them automatically into budget buckets over the course of the month, i no longer need to waste time trying corral my finances into a woefully ineffective excel spreadsheet. instead, i can spend my energy monitoring my spending and trying to keep it under control.  i’m pretty positive that if i keep up with it, mint will keep me honest. it will now be entirely impossible for me to be in denial about where my money is really going. $38 on coffee- check. $235 on shoes- double check. all laid out beautifully in cheerfully colored pie charts and bar graphs.

the only feature i wasn’t particularly impressed with was the “ways to save” tab. really, it’s just a place to get online quotes for loans and credit cards and so on… i’m assuming that’s how they make their money. i know that i can get better rates on pretty much all of their offered services via local banks and credit unions, and i also know that it will be pretty easy for me to avoid that tab all together.

all in all, mint is a lot cooler than i thought it was going to be, and if you’re having a hard time getting your hands around your finances (and don’t mind giving out some personal data), it’s a must try. and no, they didn’t pay me to say that. as always, nobody pays me shit to do shit (except of course my actual employer). although also as always, i would love to whore out my opinion for cash. mint.com of all people should know at this point how much i need it.