Over the years I have tried to watch my pennies , tried
not to be too wasteful.
When working full time, raising children, convenience came first sometimes.
Could not begin to count the amount of
wasted food ,fresh vegetables gone bad, buying lunches or that coffee and donut on the way to work. Take out food.Buying clothes and shoes full price or just had to have that "label".
There is so much one has to pay top dollar for, getting no break.. insurances, banking fees , water bill, gas bill, hydro bill, mortgage, and of course taxes, so many taxes....Gst, Pst, income, ........... never ends.
Over all have always felt fiscally responsible but could have done so much better.
With retirement find I have the time to pay more attention to where and what the money goes to and what is wasted.
Don't let anyone tell you it doesn't take lots of time and work. It does!
In that mindset, I have decided to have frugal February and a miserly March, then an Abundant April.
a Minimal May, Judicious June and a Joyful July, you get my drift.
To that end ,
I have put away my credit card, am not using my debit card .
These are tough moves . Paying with cash only. That really makes one pay attention to what goes out.
Why am I doing this? I like the challenge of seeing where I can save, what is a need vs a want, a new car is in the future this year and a number of items are needed for the house and garden, a week in Florida in April..
I would rather have the cash in hand to pay and hopefully negotiate with what ever company for a better price then go in debt.
Will I be successful? I will let you know.
So far I did manage to pick up several items on sale.
Oscar De La Renta Pj's for $16,
a new leather purse $20
and 75% off some items for my Dickens Village
Need Vs want?
Needed the PJ's for sure, had the same purse for 3 years so a need, Dickens Village definitely a want, but such a good bargain.
Have I slipped using the credit card?
Only to book my airline flight, but I got a seat sale on that!
Are you watching the purse strings?
Any tips to share on