I Already Fucked Up My 2020 Budget, And That's Okay

By literally brokE

common budget mistakes

Okay, if you know me you know there are two things I like to drop serious cash on, health/fitness classes and coffee. These are the two areas I’ve had a really hard time cutting back on because hey, guess what? They bring me joy! And I consider health and fitness and caffeine to be very important to my overall wellbeing, which means I can’t just Marie Kondo them out of my life!

On January 1st, I made two purchases that will hopefully, over the long term, bring down my health and fitness spending for the year, although they were completely uncalled for and impulsive in the moment. 

In June, as a part of a goal to decrease my spending on boutique fitness, I decided to try obé fitness (you can use my code SCARLETT30 for 30% off your first month, FYI). Obé is a fitness app that features cult-level trainers like Amanda Kloots and Megan Roup. I’m the first to admit I’m a snob about classes and instructors (hence why I had a consumer debt in the first place) so obé has been a great option for me. 

I originally poo-pooed online workouts. But over the past six months, I’ve realized their benefits (both financially and physically).

They’re easy to fit into your schedule (I did one yoga sculpt class before heading to the airport, for example) and they’re an easy way to increase your activity without feeling like you have to trek somewhere on the subway just to sweat. 

So on January 1st I finally bit the bullet and shelled out $199 for the annual obé membership. The annual membership provides a 40% discount from the month-to-month plan I was previously on, so a good financial move in the long run. 

The thing is, earlier on the 1st I had already impulse purchased two SoulCycle 5-packs when I saw they were 20% off! Let me tell you something: SoulCycle classes do not go on sale. Okay, they sometimes go on sale, but in my past five years of riding this is the best deal I’ve seen. Which means I bought two 5-packs for a total of $300. This is not a decision I recommend, but alas it’s a decision I made.

So, yes, I spent way too much on boutique fitness in January and when my credit card statement comes due I’ll kick myself (and pay it all off, obviously), but hey! Progress, not perfection. 

Until further notice, you can find me online selling nudes (or a kidney) to atone.


Scarlett McCarthy

Scarlett McCarthy is a playwright, screenwriter, and the founding editor of Literally Broke. In 2019 she increased her net worth by 15k while living and making art in NYC on a 35k salary. She is a graduate of NYU, where she amassed a lot of student debt. 

https://www.literallybroke.com
Previous
Previous

10 Trader Joe's Beauty Products You Need In Your Life

Next
Next

Unexpected Lessons I Learned During A Spending Fast