Not Exactly Amused

I have blogged about having my Afterpay account frozen and wanting to pay it off before I thawed it out? I decided to pay the rest of the stupid thing off a week early and thawed it out. Because I was stupid and needed to make a payment arrangement to make sure it was paid off, Afterpay has reduced my limit to $100. I fully expected them to reduce that $1,400 limit to maybe $200 at worst and maybe $400 at most. Between those two numbers, it was a usable amount  and very workable amount. I just wasn't expecting something that severe. Afterpay's reasoning was to "encourage responsible spending" but after reading tons of posts on Reddit, Afterpay seems to be on everyone's shit list. People who have never paid late or made excessive purchases are getting denied for orders or their limits reduced. Some are only getting a limit of $50 and that isn't a usable limit at all. I am going to use the $100 that I have and maybe use that for gift cards and then get the things that I will need. Maybe by March or April, May at the very latest, I might have a $300 limit. So perfume purchases have been pushed back and probably way back. I am okay with that though. With having Afterpay paid off and the rest of my cellphone bill will be paid next week, I can rework my budget and I am a little more relaxed at this point. Paying $75 every two weeks was starting to kill my bank account. But it looks like Afterpay might not be doing all that great if orders are being denied or limits being slashed to something unusable along with taking away the no upfront payment feature.

Tax season has started in the US and I got my W-2 in the mail a few days ago. I could have filed it yesterday or today but I am being a little lazy about it right now. I don't want to file it right now, even though I am going to receive a small refund. The extra funds would be beneficial to me but I have to wait until what others decide what is about to happen with the cellphone business that we have going on. Are they getting their own plan or wanting to stay on my plan and just upgrade their phones? And this is another first world problem. I had let someone know that if she wants an iPhone, she either pays for the entire thing upfront or she goes and gets her own plan, my budget doesn't support an iPhone. What I would really love to do is upgrade my phone, pay the activation fee and just bank the rest of the money.

I am trying not to go out and get back ups of anything this year and mostly succeeding at this point. I would love to get a backup bottle of Chanel no 5 in extrait form. Even though Sephora has it and will have a spring sale around April, I must remind myself that I have tons of no 5 already and I don't need more of it. I want to finish up another bottle or two of no 5 and must finish the extrait bottle that I already have before I can consider getting another extrait bottle. This is a year were I am more motivated to make some changes to my life. To have a better relationship with money, to use up more things (like candles and perfume) and actually go out and do more. By trying not to buy stuff, means that I can save some money to actually go out and do things. At the end of the day, I just want to enjoy life a little more. I am tired of being invited to go out and do something but have to turn down the invitation due to money. I would like to live a little bit more and live a little better.