I'm really proud of myself, I just put money into our long-term savings for the first time since our home purchase 3 months ago. 3 months of financial hemorrhage on furniture and house "necessities" (lawnmower, dehumidifier, etc. etc. etc. etc.), and I'm finally turning it around and the money is flowing back in the right direction.
I'm energized by this and want to start cutting down expenses to save more. Both of us will have loans going into repayment in January so I want to be prepared.
SO, I need to challenge myself to live more frugally. I'm the main problem because I do 90% of the grocery and house shopping, and I'm turning into a bit of a Target addict. And I buy so much for DD - clothes, toys, etc... she is the stereotypical spoiled first child of a dual income household. Granted, she needs clothes when she grows out of her old ones, but I could try Goodwill and I could keep her wardrobe more simple than it is. She's freaking adorable, what can I say, I love dressing her up.
Here are my main "pain points":
- Target last minute purchases. I go for diapers and end up getting 10 other things. I never used to do this, but it's been getting bad lately. A few days ago I went for gluten free hamburger buns on the way home from work (it's the only place I can find them!), and I got baby lotion and baby shampoo, babyproofing cabinet latches, a ball for DD, a new small cooler for traveling with breast milk on my next business trip, etc. etc. etc. And I always buy a soda at Target. We don't drink soda at home but both of us will grab one at the checkout when we're out running errands. I need to limit my Target trips to once a week or less, and plan my list ahead of time. And hydrate before I go.
- Starbucks. Again, I never used to do this but it's getting bad lately. I need to cut out caffeine anyway for the sake of DD's sleep, so I can't allow myself to start substituting decaf.
- Baby clothes. DD just had a crazy growth spurt at the same time Carter's had a sale. Enough said. Time to try Goodwill, and limit baby clothes purchases to the absolute necessities. Grandma will buy the pretty stuff.
- Amazon rabbitholes. I was planning on taking DD swimming last weekend, and realized the last time we went to the splash pad that my current swim suit was just waiting to be pulled off by grabby baby hands. Also DD's sunscreen was horrible and sticky and I wanted new. So I ended up spending $80 on Amazon on a new swimsuit and new sunscreen because I didn't want to go try on swimsuits in person. Then it rained and we never made it to the pool.
My challenge to myself is to think twice before spending money. I think one of the biggest problems is my lack of time - I'm not going to be browsing a lot of garage sales and trying to find deals when I'm working full time. I get tired of it and just pay full price because it makes my life easier. But shopping takes time too, and there are plenty of situations where I can just do without and it will be fine.
I'll try to hold myself accountable here, at least for a couple weeks to see if I can start to modify my habits. Anyone want to join me?
I'm energized by this and want to start cutting down expenses to save more. Both of us will have loans going into repayment in January so I want to be prepared.
SO, I need to challenge myself to live more frugally. I'm the main problem because I do 90% of the grocery and house shopping, and I'm turning into a bit of a Target addict. And I buy so much for DD - clothes, toys, etc... she is the stereotypical spoiled first child of a dual income household. Granted, she needs clothes when she grows out of her old ones, but I could try Goodwill and I could keep her wardrobe more simple than it is. She's freaking adorable, what can I say, I love dressing her up.
Here are my main "pain points":
- Target last minute purchases. I go for diapers and end up getting 10 other things. I never used to do this, but it's been getting bad lately. A few days ago I went for gluten free hamburger buns on the way home from work (it's the only place I can find them!), and I got baby lotion and baby shampoo, babyproofing cabinet latches, a ball for DD, a new small cooler for traveling with breast milk on my next business trip, etc. etc. etc. And I always buy a soda at Target. We don't drink soda at home but both of us will grab one at the checkout when we're out running errands. I need to limit my Target trips to once a week or less, and plan my list ahead of time. And hydrate before I go.
- Starbucks. Again, I never used to do this but it's getting bad lately. I need to cut out caffeine anyway for the sake of DD's sleep, so I can't allow myself to start substituting decaf.
- Baby clothes. DD just had a crazy growth spurt at the same time Carter's had a sale. Enough said. Time to try Goodwill, and limit baby clothes purchases to the absolute necessities. Grandma will buy the pretty stuff.
- Amazon rabbitholes. I was planning on taking DD swimming last weekend, and realized the last time we went to the splash pad that my current swim suit was just waiting to be pulled off by grabby baby hands. Also DD's sunscreen was horrible and sticky and I wanted new. So I ended up spending $80 on Amazon on a new swimsuit and new sunscreen because I didn't want to go try on swimsuits in person. Then it rained and we never made it to the pool.
My challenge to myself is to think twice before spending money. I think one of the biggest problems is my lack of time - I'm not going to be browsing a lot of garage sales and trying to find deals when I'm working full time. I get tired of it and just pay full price because it makes my life easier. But shopping takes time too, and there are plenty of situations where I can just do without and it will be fine.
I'll try to hold myself accountable here, at least for a couple weeks to see if I can start to modify my habits. Anyone want to join me?
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