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Fine Thing No Dey Finish For Market

It’s taken me some time to admit to myself that I’m not as good with money as my inner self-critical eye feels I should be.

I mean, money is one of those things where you really can’t be self-critical enough. It’s not like dieting where yeah you could be thinner, but there comes a point where nne, you’re too thin.

You can always be better with money.

Always.

I used to pride myself on being someone who had good financial goals and was actually working towards them and making progress. I saved up a lot of money working in Nigeria, bought my ticket, moved to DC, roughed it out for ten months, then got a great paying job, and started hitting all my saving and investment milestones. I was doing so great, then I started slipping.

I guess all those months of denying myself Starbucks, and having to ride the bus instead of catching an Uber, and not being able to buy nice things because I was broke got to me in the end, and one nice purchase turned into three, all the little luxuries I told myself I had earned and deserved started to add up, and before I knew it, I was wondering where all my spare cash had gone before the end of the month.

I’ve had Mint since 2008, and for a long time it was amazing for helping me stick to my budget and keep my spending under control, but as I got sucked deeper and deeper into the carefree, reckless spending, I started ignoring, then actively hiding my Mint “over budget” alerts so they didn’t make me feel bad. I was basically sticking my head in a hole in the sand, and hoping to not end up broke.

Recently though, I’ve snapped out of my torpor, and realized I need to drastically address my financial habits, and stop frittering money away. It’s so sobering to track the trends in my transaction and see how much money I’ve lost to unnecessary conveniences like overpriced coffee.

I mean, just take a look at how much I spent on Uber last year:

I spent $1,840.54 on Uber last year. Cry with me, I can't do it alone.

I spent $1,840.54 on Uber last year.
Cry with me, I can’t do it alone.

I don’t drive, so sometimes Uber is more of a necessity than a convenience, but DC has pretty good public transportation, and I honestly could have gotten around on all these trips for a whole lot less than $1,840.54.

And if anyone had asked, I’d probably say I don’t go to Sephora that much, but the numbers don’t lie, and clearly I’ve been within Sephora’s perfumed walls far more often than I successfully deceived myself I had.

$1580 at Sephora. And I have 1800+ Sephora points.

$1580 at Sephora.
And I have 1800+ Sephora points.

At least with my Sephora purchases, it can be argued that I do need all the creams, and washes, and potions I’ve amassed to improve my acne-prone skin, but I simply can’t justify some of the stuff I’ve spent so much money on, and I’m low-key horrified I let myself get this carried away.

sb-grubhub-spending

$1035.08 ordering in because I was too lazy to cook or go do proper groceries.

Then there’s food.

If ever there was an answer to why I can’t lose weight, it’s right here in technicolor. Nobody needs to be drinking $805 in Starbucks. Least of all me. This is a handful of stock in Facebook for crying out loud, and instead I spent it on calories, stuffing my face. Looking at this in Mint, I was pretty disappointed in myself, but I’ve resolved to do so much better this year.

sb-starbucks-spending

$805.18 on Venti White Chocolate Mochas, and they never even spell my name right.

sb-croissants-spending

$227.88 on Croissants.
Because trust me, that’s ALL I ever buy at Au Bon Pain.

sb-vapiano-spending

$398.29 eating out, but I don’t really regret this because Vapiano’s pasta is to die for.

sb-dominos-pizza-spending

And most shamefully of all, $2355.58 on pizza.
Fucking pizza.
Sugabelly, you fucking orobo.

Total amount of needlessly wasted money?

$8,242.80.

Eight thousand. 😱😱😱

Eight😱 Fucking😱 Thousand😱 Dollars😱

It makes me sick.

Amadioha, Ani, Anyanwu, and Idemmili are probably shaking their heads at me in shame. I have failed in my fundamental duty as an Igbo girl.

I really do feel like crying just thinking about it.
This is money that I could have saved, or invested or put into my retirement account. Just dumped all of it and let it compound, plus I’m 100% sure I’d have been so much happier, so that’s what I’m going to do this year.

I don’t know how all this spending crept up on me, but it just did.

I spent a lot of money on expensive furniture, and while my flat is absolutely gorgeous, and I love it to death, like a friend of mine once said, “Fine thing no dey finish for market.”

There’s always going to be gorgeous furniture to decorate my space with, there’s always going to be deals on clothes, shoes, makeup, and whatnot. What there’s not going to be is more time to recoup lost gains towards hitting my financial goals.

Come 2016, I’ve found myself far adrift from all the important milestones I set for myself, and faced with the daunting task of wading back to financial buoyancy, but my inner Okoro is about to come out full force to get me back on track.

I’ve decided to sell everything I don’t absolutely need, and build up my emergency cash fund.

Here’s to a financially responsible New Year!



There are 18 comments

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  1. blogoratti

    I must say that you are taking the most necessary steps to curbing your spending. Acknowledging that there is indeed a problem is a good way to start off the year, and cutting back on unnecessary things will go a long way no doubt.

    Greetings and best wishes with your goal!

  2. Chinko Berry

    Suga Suga,

    I hereby apply to be your financial manager. I have 25 years working experience with J. P Morgan!

    Your money will be safe with me and your savings will grow if am given the opportunity to serve you.

    Yours faithfully,

    CB.

  3. yeva

    I just had to convert to Naira using the present exchange rate and gurl!!! I am crying with you.
    Looking for an app like mint seeing as I cant connect GTb to it.

  4. Adaeze Writes

    When spending, there are some things that are an absolute necessity yet, a luxury! I wish there could be an alarm that goes off when one is spending too much….’can that really happen?’ But then, fine things nor dey finish for market! The first time I heard that phrase was from my mom and yes, fine things nor dey ever finish….
    Nice post.

  5. Funke

    How did you get up and just move to America. I’ve saved everything I’ve ever had but I still don’t know what to do to stay there permanently.

  6. Funke

    How did you get up and just move to America. I’ve saved everything I’ve ever had but I still don’t know what to do to stay there permanently. I’m thinking of Canada sef

    • sugabelly

      I’m a us permanent resident. My grandmother is a us citizen so that makes me a permanent resident because my grandmother never lived in the US before my Mom was born.

      Canada is a good idea. They’re actively looking for people to immigrate to Canada

  7. NC

    We are conditioned by society to buy and buy things we don’t need, with the justification that ‘we deserve them’. Black women have the least financial power of all groups on the planet, so it’s important that we learn how to manage our resources. I’ve learned a lot from the Early Retirement Extreme website, which is written by a white man, but which has so many useful ideas on managing one’s finances – not just the actual act, but the psychology of it all. Best of luck with your endeavors.


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