Tag Archive > Money

Thoughts on Thursday {Turns out I’m a stress shopper}

TOT
 
So in the last few weeks I’ve come up with a list of needs….weird they weren’t things I needed a month ago and my life situation really hasn’t changed….so why all the sudden do I need these things? Turns out I’m a stress shopper…and I can justify things pretty easily.
 
This round was bags and thankfully I only bought on and it was with the hubbys blessing. I’m not sure I really talked myself out of the other bag I was going to buy though, more like I got lucky. I delayed long enough looking for a deal that my friend finally said “don’t buy it that was going to be my gift for baby #2.”
 
I did however make an impulse buy of a new baby carrier that was on SUPER sale…I love the design I have been looking at it for a while but I’ve never purchased it because it is basically a slightly different version of our Ergo. Oops! Well when it gets here hubby and I will check it out see if it will get used and if not I got such a good deal I should be able to sell it at a small profit so it will work out.

 
 

Boba Tweet

Blah blab blah, the point is why is my stress ‘reliever’ something that will just cause more stress ($$/adding to clutter?) I’m not sure it always is my outlet, I think when I’m able running is most of the time but right now that’s no longer an option.

For now I’m not going to beat myself up, I recognize it and hopefully next time I can catch it sooner. I didn’t blow the budget and I didn’t buy anything outrageous so it will all work out.

Do you have a stress relieving habit that just causes more stress?

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Thoughts on Thursday {Money Priorities}

I’m going to make a broad sweeping generalization here…..Americans have their priorities wrong. We don’t NEED TV,  we don’t NEED our cell phones, however we do NEED food and shelter (with all that includes, heat, electricity and such.) If we are spending every dime paying the cable company and delaying our payments to the gas company then we are doing it wrong.

Mac and I’s priorities are different than most peoples, basic bills first, then our cell phones and then travel (not just vacations but going to see my family too, it all costs money) and our hobbies, things that get us out of the house and moving. Do these things cost too much? Probably, do we stop doing them when the budget is tight? Definitely. But we have decided that we are going to eliminate some of our un needed bills in order to save more so we can continue to afford things that are priorities to us.

An obvious area of over spending was TV, to get the sports channels we ‘needed’ for hockey it was $99 a month…ahem that is $1200.00 a year for TV!! So we called DirecTv and told them we were going to cancel, they gave us a great discount for the remainder of hockey season so we are going to hang on for 3 months and then…bye bye TV. We are going to purchase 2 things (Apple TV or something similer and NHL.com for the 2014-15 season) a this year that will equal 2 months worth of TV so all together for 2014 we are going to pay for 5 months of TV out of 12.

We have also taken a deep look at out budget and found that despite using cash for dining out we were still justifying to many extra times out equaling more than $1,000.00 over our budgeted amount….I can’t believe I just admitted that. I’m proud to say that we have stuck to our cash budget the last few months and its been great, better for our health and our wallets!

Where do you need to re-prioritize your spending?

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Reuse, Reuse, Reuse!

I’ve been thinking a lot about the reuse part of the 3 R’s lately, not only is it great for the environment but its great for our budgets.

A decent reuseable water bottle (one you can carry around without leaking in your purse) will run between $15-$25 average. Compare that to most bottles of water at the store lets say $1 each and you have broke even in 15-25 bottles and everything after that is saving you $.95 cents or so (figuring the cost of tap water.) Now lets say you buy bottles of water by the case and average about $3 a case anywhere between 5-9 cases you have broke even and are saving money!

How about bags? Specifically Purses and work/daily bags I”m not going to say my particular taste in brands is cheap…its not. There are plenty of high quality bags out there at a decent price and if you find one you love pay a little more and then re use it from year to year. I have a purse for each season so I’m always feeling like I get a ‘new’ one, but really its the same one as last year!  I do the same thing with my work bags just keep them rotating.

Buy purchasing clothes or household items of a little higher quality we can use them over and over and  in the end save $$ and be a little greener by not needing to replace  those items often.

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Thoughts on Thursday {Paying the Bills}

So after 3 1/2 years of marrige we had a revalation this weekend. If something happened to me (hurt, hospital or worse) Mac wouldn’t know how to pay the bills. Not meaning incapable, meaning how, as in what website do I use to pay the mortgage, what is the username and password for our credit card, that kind of stuff.

We talk weekly at least about our budget, where we stand upcoming bills,  expenses and such so its not that he is out of the loop. Its just we figured out long ago that its easier for 1 person to make sure everything gets paid so that things don’t get missed.

So yesterday I made a ‘working list’ I made a shareable document in Google Drive that said what bills are paid when and how (ie website, bill pay through the bank and all of that.) Plus we discussed how and where (NOT IN THE SPREEDSHEET PEOPLE!) I would keep a record of my current usernames and passwords for these places so that if something happened he would be able to log in and take care of the bills.

Simple, easy to update and one less worry. Do you have a back up plan for making sure your bills get paid?

 

 

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Thoughts on Thursday: Feel your Pain

 

I read a post yesterday that really struck a cord with me its not about marriage per sae but I think it applies.

 

 Courtney over at Be More with Less is on a mission to help us all to de stress and simplify our lives. This week she encouraged us to actually feel our pain instead of covering it up with food, shopping, anything we can do too mask our pain instead of dealing with it.

 

This goes back to my fear about being vulnerable and not wanting to show I’m weak. Shopping is just another way to cover up emotions that really need to be delt with. Our spouses are the person we are supposed to be able to rely on.  So do it! Talk to your spouse about how you can deal with pain together instead of any other method of covering it up.

 

Oh and seriously read this blog post from Be More with Less.

 

 

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