Happy 2016

Happy 2016!!!! As I sit here with my coffee, I'm super motivated to get my financial life to an even better start. I've been reading so many blogs- J Money, Mr Money Mustache, Blonde on a Budget, Go Curry Crackers and many more. My everyday pleasure of listening to Farnoosh Torabi's So Money podcast. I just finished listening to an audio book- The Automatic Millionaire by David Bach. After listening to the Automatic Millionaire, I upped my 401k contribution from 10% to 12% and with the 3% match, I'm socking away 15% of my income- paying myself first!

I'm 30, married with one child-the love of my life, cliche, but it's true. I'm grammatically challenged as you soon shall notice. I live in Southern CA, it's 52F  right now and that's freaking cold. The title of this blog is It Makes Too Much Sense. It's more of an inside joke, but I find it fitting for this financial blog. Because, more often than not, people know what they're suppose to do and what makes sense to do, but they often don't. Always coming up with excuse why not to do something.

I often blame my inability to save as much as I want to the fact that I live in CA. First of all, the cost of living is really high, and second, people are a bit more materialistic and always want to keep up with the Jones', I know this because I used be one of them. I love to shop 'GASP.' Now that my storage is full and half of the things in there I rarely touched or are still brand new, I realized I need to stop buying things. I found a nice brand new jacket in my closet yesterday and I don't even remember when I bought it.

The reason why I wanted to start a financial blog is because none of my friends are interested in personal finance. Maybe they don't see me as someone who's financially responsible because I'm always saying I'm broke. I only say I'm too broke to do something is because I've not allocated money to do that thing I said I'm too broke to do. Perhaps I should change my wording.  It's hard not having someone to talk to and this blog is way for me to get my ideas out and hoping to find other like minded people. One thing I've been most proud is putting away 40% of my take home income. Been doing that for a few months and my emergency fund is steadily increasing.

This year,  I vow to consume less. I will not buy any new purses, wallets or shoes. I will ask myself before I buy something is this what I want or what I need? I will stop stocking piling things with the exception of diapers and the specific toothpaste that my husband and I like to use, oh and toilet paper, you can't have too many toilet paper. I will start that 529 for my baby as I've been meaning to do.

Happy New Year and here's a to a great beginning. Cheers!