trying not to buy
/
Even before the economy took a nose dive, I realized the need to curtail my own spending. The problem is that it's a hard habit to break. It helps that I am reduced to using my debit card instead of credit. (yes, I am paying off too much credit debt as well)
But expenses keep cropping up like the way the boys keep growing and needing new clothes. And I have certain standards like buying decent things not cheap. (label snob? sort of) The boys and I wear Birkenstocks. I do save some money by getting them the Birkis which are waterproof and cheaper. But finding a decent selection in the US is hard at best and much more expensive. Even then, there few styles for boys. I was quite surprised when Ryan chose camo.
I probably should be doing Damn Ramsey but there is some excuse not to. I know that he basically says to eliminate your credit cards and debt. Don't use credit cards. And have an emergency fund. I'm just not ready live out of a packet of envelopes even if his logic is sound.
Meanwhile, I no longer go out to lunch everyday. I eat at home. My lunches are better and healthier and cheaper. And when I shop online, I fill my cart up then leave the site. If I really need something, I will be back. If it was just fun to look, then no harm was done.
But expenses keep cropping up like the way the boys keep growing and needing new clothes. And I have certain standards like buying decent things not cheap. (label snob? sort of) The boys and I wear Birkenstocks. I do save some money by getting them the Birkis which are waterproof and cheaper. But finding a decent selection in the US is hard at best and much more expensive. Even then, there few styles for boys. I was quite surprised when Ryan chose camo.
I probably should be doing Damn Ramsey but there is some excuse not to. I know that he basically says to eliminate your credit cards and debt. Don't use credit cards. And have an emergency fund. I'm just not ready live out of a packet of envelopes even if his logic is sound.
Meanwhile, I no longer go out to lunch everyday. I eat at home. My lunches are better and healthier and cheaper. And when I shop online, I fill my cart up then leave the site. If I really need something, I will be back. If it was just fun to look, then no harm was done.