We spent the last 2 weeks looking back at our bank statements over the last three months or so to see how we can FREE up $100.00-$200.00 per month. That “Found” money we put 1/2 in a retirement account we already had, or we started one. The other half we put in the “emergency fund” which hopefully is in a high yield savings account. While you were scrolling those bank statements/activities online, did anything else jump out at you? Maybe there were things like your debit card at the grocery store! Maybe there were random trips here and there that you see a credit card or debit purchase? It’s not pretty sometimes, right? Sometimes it feels like money just passes through our hands like water…. ☹
Being more mindful of WHAT you spend money on might help us NOT spend as much??? Everything we do in life in general seems to be due to a “habit”. So what if we make a habit of really thinking about IF we really need to spend money on certain things or items, vs the impulse to spend. It’s hard! I get it! Maybe we say ok this week my budget for groceries is $100.00 that’s it! I will use cash only and really plan for the week as well as plan meals out. I am assuming this for a family of four.
Maybe it requires you to go to two or three different stores over the weekend to get everything you need. Assuming the stores are not far from each other, maybe it’s worth it! I started buying things at ALDi and another main grocery store than the one at the bottom of my street. I did some rough math and saved at least $30.00 this week! I even googled some coupons and saved on things like the special dog food at the pet store! Hey, it all adds up! Little by little more money ends up in our pocket vs out of our pockets. Your challenge for this week is MIND SET! Be aware of what you’re spending money on. Do I REALLY need this? Is this product sold some place else cheaper? EX. I buy my organic spinach at BJ’s, which is the same price at my grocery store, but at BJ’s it’s three times the size and I freeze it! Let’s only buy what we need for a few weeks and see if we have some extra cash at the end of the month before the next check shows up. That’s how we start moving in the right direction, living on LESS THAN WE MAKE!! Not saying it’s easy, but it is possible…. We do this EVERY month. This is our NEW Habit.
two chicks talking money. 