One of our guilty pleasures / go-to comfort items is coffee. Not just regular old black coffee with a splash of fancy creamer. No. Like the multitude of people who wait in line at Starbucks (or whichever coffee seller you choose), we like the "Grande, 2-pump, vanilla latte, with whip." The coffee "splurge" that costs around $4 a cup and makes you feel all warm and fuzzy because whether your recognize it or not, you're part of a kaffeeklatsch. A gang, if you will, or a coffee tribe.
But what do you do when you need to cut back on that habit?
You know, I'm thrilled for all of those people who post about how their family of 5 lives on their spouse's $17K / $25K / $31K income. Seriously. KUDOS. You are freaking AMAZING, and honestly, I hate you.
I was looking at financial tips on Pinterest the other day (like you do), and came across a number of these captivating pins. Since we're currently in a "one income" situation, I naturally clicked on the images.
I knew coming into this month that it would be pretty lean. My freelance work has dropped off, so we're basically living on one income until I can wrangle a few more clients.
Since groceries are our top expenditure (after the monthly bills), this month I thought I would try to prepare meals exclusively from the ingredients we have in the pantry and the freezer.
The first two are fairly big areas to tackle and greatly impact our way of life. It's not easy to pick up and move somewhere less expensive. Nor is it easy to decide to trade your car out for a bike (or the bus). Although these are moves you can make in attempts to save some money.
Of the top three things we spend money on, food is the easiest place in which to save money.
February: Things we did to save money this month. (Hint: we got sick and blew our budget on Kleenex.)
Not every month is stellar when it comes to saving money...
Sometimes it's hard to keep track of how much money you're saving in any given month. For most of us, money is an abstract concept. It's a number in a bank account, that tends to be rather fluid. Up one day, down the next.
One of the ways that I've found to help me feel like less of a budgeting failure (other than to keep a savings account & not touch it), is to keep a list of the things I am actively doing to save money during any given week.
I read that anywhere from 20% to 40% of a household's water consumption is actually from flushing toilets, so I figured I would try out the water displacement method.
I recently read a blog post testifying to the fact that getting rid of "Energy Vampires" (all of those electronics that are plugged in and not being used), saves hundreds of dollars a year. Unfortunately, what that person did in order to save that much money, was to unplug EVERYTHING that wasn't in use—including their Internet router, TV, clocks, lamps, microwave, washer, dryer, etc. I think they stopped at unplugging the refrigerator and freezer.