Friday, March 11, 2022
Sunday, September 16, 2007
Is living on a budget an oxymoron?
4. Bottled Water. I will say that I rarely purchase bottled water. If I ever do it's because it's on sale, for a really good price and it's a multi-pack. My bottled water budget is less than $50 a year. Yours?
5. Manicures. Another item not on my list. I do my own nails. Perhaps one day when I have lots more time, and lots more money. For now, this is a DIY for me. That leaves me $1068 ahead of "average".
6. Car washes. $58 for an auto detailing package. Wow. I wonder who's paying these prices. I (too) rarely get this done. However, I used to work right next to a detail shop - for $15 I could get the outside and inside done, and have my car delivered back to me. My car is neglected of late however but my budget is liking it (even if the car isn't).
7. Weekday lunches out. I never used to eat out - I was a "brown bagger" for years. But a new job, more employees and less furnished items (snacks, goodies and drinks) has turned me into a lunch-out person. This has unfortunately increased my budget.
8. Vending machine snacks. This is something else I try to stay away from - I'd rather buy in "bulk" at the grocery store and carry my own goodies to work. Every so often however, those salt 'n vinegar chips call out to me though. At .50/bag x 1 or 2 bags a week though, I'm only about $50 into debt because of snack machines (so far)!
9. Interest charges on credit card bills. I go up and down (pun intended) on interest rates. I try to keep my credit card debit at the lowest interest rates possible. This means moving money around every so often - but in the end, it's worth it. Except for the fact that when I move money, one of those "little" credit card balances gets put into the mix. (Sigh)
10. Unused memberships. Another no item on my list. If I were to join a gym, I'd want one of those "pay as you go" membership.
So how did I fair? I'd say about 5 out of 5. I have money drainers. Now to figure out how to stop the leaking! How did you fair?
It's been a long time coming
I've always used the Internet to find deals, save money and be frugal (oh how I miss those start-up sites with all their free giveaways!). Now, I find myself in debt more than I'd like to be - OK, in debt where I *don't* want to be. So after cruising around some of the other "get out of debt" blogs and websites I've decided to confess my own money sins and change the direction of my own blog. Maybe putting my debt out there in front of the whole world (the balances owed on my accounts) and publicly recording my progress will make me more disciplined and more accountable.
I do know HOW to be frugal, I just don't always live in that state. I do know HOW to save money, I just have a bad shopping habit - I LIKE to shop, it's my favorite pastime. I do know WHAT it is I should be doing to get my debit paid off, I just need some extra motivation. So, here's to taking my debit to a whole new level. Please feel free to drop me a line of encouragement. Knowing that being debt free is the way to go, and getting there are two different things.