I am admittedly one of the thrifty people in the world. Since there’s no money growing on a tree in the back yard, we’re not wealthy, and we haven’t won the lottery yet, I think this is a good thing.
I like to hang on to our money, save it, control it. I go after the deal. Paying full price for almost anything is a buzz kill.
As a Mom and family manager of all things, I’m essentially in charge of acquiring all “the stuff!”
And boy, is there a lot of stuff to get in life. I don’t care if you’re single, a family of 2, 4 or 6. It’s endless.
Watching Where The Money Goes
You think budgeting is simple and well-defined, but to me it’s an ever-changing flow of savings and spending. Life changes and so does how money needs to be spent.
I am the more practical one at home, but to keep my husband happy, I concede to many things.
Marriage rule #17: Compromise.
There’s a certain burden being the practical one in the family…being the one who tries to stretch the money to make it go further.
“No, we don’t need a 6-slot toaster.”
“No, we can’t afford to go to Puerto Rico.”
“No, we can’t afford new tennis shoes this month.”
You’re the bad guy. You’re the do-gooder. You’re no fun.
I swear in my next life I’m going to be “the spender.”
All the attempts at making the money stretch further gets a little underappreciated at times.
Finding A Healthy Perspective
There are many truths I try to keep in mind to keep a healthy perspective on saving and spending…
- Life IS short
- Money isn’t everything.
- It’s just money.
- All work and no play makes Johnny a dull boy
- If all you do is work every day, plugging through the grind, you DO have to have some fun or nice things to show for it. Otherwise all you’re doing is working.
BUT there are times I’d like to make the non-thrifty people keep a healthy perspective on things…
I would like to tell them…
- Listen to comic, George Carlin when he talks about “stuff.” Your house is a place for you to keep your stuff, while you go out and get more stuff.” Don’t let life be about “stuff.”
- Some “stuff” you need, but much of it you don’t.
- Ask yourself, can I make do with what I have? Will new “stuff” make you that much happier?
- When we’re on our death beds we’ll remember the memories and not the “stuff.”
50 Things Thrifty People Do To Save Money
- They use paper and electronic coupons.
- They run errands in a logical sequence to save gas money.
- They order water at a restaurant. Good, old fashioned, free, tap water
- They call a few different insurance companies once a year to comparison shop their auto and home rates.
- They call their cable/internet provider once or twice a year to check on new promotions to get a better deal.
- They don’t subscribe to magazines or newspapers. They utilize their internet for information.
- They don’t buy books. They use the library.
- They use fee-free credit cards unless the credit card rewards are deemed more valuable than the cost of the card.
- They pay all their bills on time to avoid late charges.
- They don’t rush to the doctor….they wait it out to see if it truly warrants a doctor visit.
- They get 3-5 repair quotes for home repairs to get the most for their money.
- They see if repairing something is more cost effective than replacing it by buying something brand new.
- They shop BOGO deals.
- They don’t throw away “older” fruit. They freeze it for smoothies.
- They go to a website to check for a discount coupon before going to the actual place.
- They go to early theater shows to get the matinee admission price.
- They subscribe to “their places” to get the birthday coupon and the discount deals.
- They shop at Costco or Sam’s.
- They use the Cartwheel app at Target to get discounts.
- They shop Black Friday deals.
- They shop Cyber Monday deals.
- They buy things in the moment if it’s a deal and save it for later.
- They know where kids eat free.
- They rarely order a soda, tea, or alcoholic beverage at a restaurant.
- They split a meal with someone at a restaurant or save half for another meal.
- They shop at farmers’ markets.
- They make a point of showing up for a sale day to get the best deal.
- They find free activities being offered in their town.
- They walk or hike for their exercise.
- They buy “home gym” items and utilize them rather than buy gym memberships.
- They don’t buy excessive clothing.
- They shop at Goodwill, Salvation Army, thrift stores, and consignment shops.
- They join Amazon Prime if they are big online shoppers.
- They understand that it can be cheaper to buy online- saves time, gas, and money.
- They teach themselves how to repair something with free YouTube videos.
- They repurpose household items.
- They have garage sales.
- They shop at garage sales
- They believe in hand-me-downs and hand-me-ups.
- They borrow.
- They buy a “large ticket item” like a pressure washer with their friends or family and then share it.
- They cook at home rather than eat out.
- They buy something cheap at a garage sale to turn around and sell it for a higher price.
- They sell stuff on eBay, Craigslist, Facebook garage sales, and the Next Door app.
- They barter with other people.
- They don’t buy “new” when “used” will do.
- They gladly take things people are giving away, so they can turn around and sell them.
- They split the cost of a gift with someone.
- They don’t pay full price.
- They understand the difference between wants and needs.
Thrifty people have priorities.
They know that all money adds up. A little here, a little there.
It all adds up.
So if you can save it here, and save it there, by altering some basic spending habits, then why not?
You won’t miss “the stuff.”
And That’s What I Know So Far…