The Importance of budgeting properly

I have been really good about putting my pay check into my account and not using for anything else than paying down my credit cards, phone bill, and saving. So I keep cash on hand, form my tips, for gas and small things I need. Well I had a doctors appointment last week and the doctors visit was $75 and the prescription was $34. I hadn't really budgeted for it. So I used my debit card and took the money out of my account and I had plenty to cover it but still I need to be better about planning for these things. I will have 3-4 more doctors visits at that price so I will be preparing for that now. But I also have my gyno app next week and am looking into trying a new birth control so I am not sure what the price will be. It is also a new gyno who does accept my insurance but I still am not sure what the office visit will cost. So I pretty much have automatic transfers coming out to savings and credit cards for the full amount of the paycheck I put in. I am thinking I will have to revise these even though I love the feeling of getting out of debt.

Nail School

Ok so slowly but surely I am saving away for nail school. I really want to have an opportunity to earn extra income. I can do this for the rest of my life and schedule it around regular work and whatever else is going on. can go part time for 8 months for just under $5,000. I really want to make sure I am financially stable for the rest of my life and having a trade that I can do and schedule myself  around a career and kids.

Well I Guess

Since I did a update on my credit card #1 I figured I might as well do an update on all my other money matters.
So you know what credit card #1, credit card #2 is 1,109.44. My boyfriend actually offered to pay this off for me but I don't know. It would be nice but I kinda want to do it myself too.
My Credit Union Account:
Checking-  $100
Savings- $126.17
IRA- $211.59
  I for sure need to keep contributing to my IRA. I think I am going to roll it over to Wells Fargo since that is where I do the majority of my banking. I posted awhile ago that I had a small windfall and so I supplemented these accounts. I don't plan on using this money just letting it sit. I might add more to my savings if I have a little extra but these should basically stay the same.
Wells Fargo:
Checking-$18.14
Emergency Fund Savings-$50.00
5 dollars a day-$175.00
Joint savings with boyfriend-$1000.00
I know my checking is low but I am putting my paycheck in the bank today. My check is $342.58. I am going to put 10% into my emergency fund savings, which will be $34.26. My goal is to be able to save 10% into savings every paycheck and then once I get my credit cards paid down start saving more into that account.


Envelope Savings-
$5 dollars a day- $485 Almost half way to my $1,000 goal
Nail School- $14 (If I remember I will post my goal on this one after this post)
Emergency Fund-$14 - I really don't know if I should be saving for this with my envelope system. I am kinda thinking I will continue doing everything the way I am until the end of the year and then re asses.
Medical Fund-$14
New Place-$14 (This is also what the boyfriend and I are saving for in our joint account)
Elliptical-$26
New Car-$16

Rolling Coins...

So I rolled all my coins and came up with $322.24 and I put it all on Credit Card #1!! Bringing my balance down to $857.83. Still high but under $1,000. Slowly but surely this bad boy is going to get paid off.

168

Yes 168 is my current weight. I am 5'10 and would love to be 140. So I will be posting on that trail. Other than that I would just like to say Happy Friday!!

Love and Lust...

So I am totally loving a few new things I have been trying and thought I should share with everyone...

Rosebud Salve

AMAZING lip balm. I have super sensitive lips that will break out if I use anything other than all natural balms and I tried this and it felt amazing with no break outs!!

Professional Platinum Angled Eyeliner Brush #23

This brush is simply the best thing ever. I do not know how I ever did my liner before this brush entered my life.
For a little self pampering, these feel so good. I have been working nights and getting up early in the morning to get things done before the heat and have started taking naps. And let me tell you these make a nap as awesome as something really awesome.

Now on to my list of lusts...(A very short version because my lust list is always a million pages and growing)
Don't these look like the most comfortable thing ever.

EMU Australia Women's Hip Boot

Shakti Mat

This looks like it would be way cool. I need to do some more research and see what the reviews on it are.

Awkward....

  Last night as I pull into work one of my co workers wife pulls up and very bluntly asks "Can I borrow your car?" I am so so bad at these situations. I can not say no which is a terrible problem. So I let her use my car and then fell sick to my stomach the whole time she was gone imaging all the possibilities that this could go wrong. A little back story to my car, I do not actually own it. My parents do it is 100% paid off and it is a older car. Since I have to commute a ways to school my dad is really stressing about my car lasting until I graduate in December. I know a few friends who have lent out there car and got them back damaged. So that was all I could think about. Luckily I got it back safely but it was still too much of a stressful situation. 
  So what you would do? A bunch of my co workers told me I just needed to learn to say no. But that is hard for me. I am a people pleaser. Have you been in this situation before?