Wednesday, June 27, 2012
My Stop-Spending- Stupid- Money Plan ( or 10 things that can save you money if you stop doing them)
Stupid Money (n): The money that you should have been able to save or never spent in the first place but you were lazy, just plain forgot or made a bad choice.
It's the middle of the year and I am tired of spending stupid money on things I shouldn't. Are you still confused on the concept of " stupid" money? Here are some examples of "stupid" money issues:
-Library book fines
I don't want to even know how much I have paid the library this year. Based in how much we love the library, it was a bunch. It should be a free resource but when you forget to turn in 8 kids DVDs for a week. Ka-ching!
-NOT returning stuff
You look at the receipt and say, oh I've got a month to return that or 60 days or even 90. And then you look at the recipe again and missed your chance. There's $60 of stuff you can't use sitting in your room
-Not sending in rebates
Seriously so annoying. You buy something and it comes with an awesome rebate. You have every intention of sending it in and then before you know it, it's passed and you didn't save the $5- $20 bucks. dang it.
I'm not the best coupon user and I buy lots of things that never or hardly have coupons. So when i do see a coupon for something I actually use, I get all excited , cut it out, put it in the organizer and then forget the organizer whenever I go to the store. And as I'm checking out I remember that I had a coupon for that. grrrr..
-Forgetting Gift cards/Groupons
You get a gift card for a birthday or Christmas or baby shower or wedding shower... you think you are going to wait and use it on something good or wait until you have coupon to use with the girt card. And a year or so goes by and it starts losing value or it's been swimming around your purse so long that you just lose it. There goes $20-$100 . bye bye.
-Mystery Charges on bills you don't check
I'm not the best at reviewing my monthly bills or bank statements on time. I have caught, too late, some mystery charges or late fees or over drafts that had I caught sooner. I could have gotten removed or reduced but I didn't so they got me $5-$40 at a time.
- Traffic Tickets
In the past few years, the red light cameras have gotten us ( whatever) and J got a speeding ticket going from building to building at work. There was $200 a pop right there to get them fixed. Just think what we could have done with that money.
-Throwing away food
we don't do this alot but there are some times that because we by alot of food at a big box store ( i know, not the best) that we throw away a bunch of apples or a half a bag of lettuce or some other kind of food that went bad before we could eat it. Even though we saved money buying the food there, we are throwing money away by not eating it/
- Reoccurring monthly charges
I'm talking about stuff like Blockbuster online (we didn't use for 4 months because we were too busy), Netflix( always forget to use ), consumer reports...stuff like that. Apparently, we had been paying $20 a year for Consumer reports for 7 years. So it's not a ton of money, but we weren't even using it and had completely forgotten that we were paying for it.
And my all time DUH stupid money spender....
- Not bringing your lunch to work or out somewhere you could like an outdoor concert or touristy place ( like the Zoo)
J leaves in such a hurry in the morning that he usually doesn't have time to make his lunch. If he did it would be a deli sandwich with some yogurt and fruit maybe. Healthy , right? But when he forgets what does he buy at work? A deli sandwich , chips, and some fruit. Ahhhh.. So that's $8 bucks a pop almost five days a week on top of what we spend on groceries.
If we can cut back on this kind of stuff maybe we can afford that trip to Disney World next year. Yipee!
What is the Gunny Sack -Making the world Cuter -Debbie Doo -DIY How Off
DIY Shop - Lines Across My Face -I should be mopping the Floor
Great Fun 4 Kids
How to Nest For Less - Tip Junkie - My Uncommon Slice of Suburbia -The Kurtz Corner
Sugar Bee - Romance On A Dime - Chronic Christian Crafter - Funky Polka Dot Giraffe
The Winthrop Chronicles
Oopsey Daisy - Thrifty Home - Someday Crafts - Sew Much Ado
- Junk in Their Trunk - Southern Lovely
My rePurposed Life - Beyond the Picket Fence - Somewhat Simple - Live Laugh Rowe
Loving this Crazy Life -Scrappy Crafty Happy - Fireflies and Jellybeans - The Shabby Cottage
Quality Cheap Home - The Taylor House
House of Hepworths
Naptime Crafters - Stay At Home Nation
Young and Crafty - My Turn(ForUs)
Family Ever After
Here Comes the Sun
Six Sister's Stuff
Be Different Act Normal
Nifty Thrifty Things