Are you looking for some extra items to cut from your budget? Pretty much all of us could use some help with our budgets. I believe it’s helpful to see what others are doing to save money and their view point on why they choose to save money in that way. In this post you will find the 10 Things I Quit Buying to Save Money.
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Lately, I’ve been reading and hearing more and more about how one person in a relationship tends to make all the money decisions for the family. It may be a generalization but it seems to be popping up in tons of recent articles. Personally, I don’t think that’s healthy. Now I don’t want to debate if that’s right or wrong, I’m just stating that’s how I feel.
Now let’s get a few things straight. Even though my husband and I do make all major decisions together, I tend to be the one who pays the bills. In speaking about major decisions I would say anything over $300. That might not be major to some, but I think that anything over $300 does need some sort of agreement in order to spend that kind of money. Now – on a daily basis and in terms of paying the bills I handle that. However, my husband still knows how much we need monthly to pay our bills and purchase food, gas and child care. He might not know the payment due dates like me but he is very well aware of our families budget and monetary needs.
By keeping him in the loop it helps keep a handle on his spending and makes him feel like part of the budget and decisions. Instead of feeling like he has no say, he knows he has a voice.
The main reason we decided to sit down and talk about expenses it because of his spending habits. A few years back we were really struggling to make ends meet and I was cutting out all sorts of items from the budget to have more for the monthly bills- only to have him spend it. The thing is prior to him being a part of the decision making process he had no clue how much we were making, spending or in need of to pay the bills. I started to grow resentment because I wasn’t spending money or buying anything for myself, yet he was self indulging. Instead of letting it grow between us I sat him down and laid it all out.
We talked about the budget and how to cut from what we were purchasing in order to save even more. These were thoughtful decisions we made together. Making them together made it easier for us not to spend the money and hold each other accountable. Below is the list of the top 10 Things I Quit Buying to Save Money after we had our conversation on spending. If this sounds like you or your partner, talk about it. It may all just be a misunderstanding and you may be able to get on the same terms! Create your own list of 10 Things I Quit Buying to Save Money with your significant other.
When you are at the store and find yourself adding items to the cart, ask yourself these questions:
Do I need or want this item? -If your answer is that it is a want – don’t buy it. When you are cutting spending, you should only purchase needed items.
Can it wait another week? – Answered YES – then wait!
If I had $100 left in the bank for one month, would I still purchase said item? – NO, then you don’t need to make that purchase! It’s that simple! Hold yourself accountable.
10 Things I Quit Buying To Save Money
- Shaving Gel – I know it feels great to use shaving gel and it can feel like it’s a special treat. However, it’s a very wasteful treat. Conditioner works get as good if not better ( sometimes I use plain old bar soap). It’s also a fraction of the price. I tend to use Suave or VO5 because a bottle runs anywhere from $0.69 – $1.09 (depending on a sale or not).
- Books/Magazines – Don’t get me wrong I love books and magazines, but I think we can all go without when we need to save money. There are ways to get free books and magazines. The library is a great resource as is Amazon Kindle. Join Amazon Kindle with a 30 Day Free Trial.
- Bottled Water – I don’t know how I ever really justified purchasing bottled water. Now let me clarify this – My family has a 5 gallon water dispenser -( I love it because it has hot/cold water features – no need to boil water for my tea). We have a few 5 gallons water bottles that we do refill! To refill the 5 gallon bottles it costs us $.050…. andddd I can justify $.10 a gallon! What I cannot justify is purchasing individual bottles of water for $1.49+ each. That’s insanity!
- Shredded Cheese – Shredded cheese it soooo over priced it ridiculous! I stopped buying shredded cheese and purchase it in 1 pound or larger blocks. Usually from the deli when it goes on sale for next to nothing. Then I just shred up the cheese and break it down into smaller packages.
- Manicures – I can’t tell you the last time I stepped foot into the nail salon. Instead I purchased nail filers, cuticle cutters, cuticle gel remover and I make homemade foot soaks and scrubs. A few bottles of my favorite polish and walaaaa. I just saved myself $40 a pop.
- Convenience Foods – Convenience foods will eat your budget away so quick, that if you blink it’s gone. My family no longer purchases precut fruits/vegetables, prepackaged seasoned meats, precut deli cheese and meats. Our decision to give up prepackaged foods was not only for the price but also for health benefits. Many prepackaged foods contain tons of salt and preservatives that are bad for you and are proven to have long term lasting health problems. We made the conscious choice to try and avoid them at all costs for both reasons. Canned soups are very convenient and I do miss them sometimes, but when I think long term I realize we are making the right choice to cut them from our lives.
- Name Brands – We all love certain brands, but let’s face it – we are paying extra for a name. I’ve found that many times the store or generic brand it just as good if not better. My favorite example of this is Mayonnaise. I used to be a Hellman’s junkie – now I LOVE Walmart brand mayo. It actually tastes a million times better and a fraction of the cost! Win-Win. My point is brand name products are not always better.
- Take Out – Takeout is so over priced! Let’s think about it seriously for a moment and use Chicken Ceaser Salad as an example. For takeout you’ll pay about $9.95 for one salad. Now with that same money you could have purchased romaine lettuce, an onion, tomato, cucumber and 1/2 lb of chicken. That same food could have fed a family of four. It’s a no brainer to drop the takeout!
- Coffee – I stopped drinking my daily Lg Iced Coffee from Dunkin Donuts. That was an expense of $2.69 a day x 6 days a week. That’s a savings of over $839+ a year. And Honestly, my heartburn has gone away, I’ve lost weight and feel better! Quadruple win in my book.
- Cable – My husband and I decided to cut the cable. We didn’t have a contract so It only made sense to drop the cable. It’s been over 4 years since dropping the cable and we don’t miss it. Instead we go to the library and check out movies and books. We also started playing more games as a family. Creating better quality time with each other.
So, there you have my list of 10 Things I Quit Buying to Save Money. These things are not going to add millions back into your bank account but they WILL make a difference in your monthly budget. Over time, these savings will really make a difference.