“Watch the pennies and the dollars will take care of themselves.” That keeps going over and over in my head. I think maybe God is using those wise words to help me with my budget. Mike and I do not spend on big things. But boy we spend a little here, a little there… and it adds up.
We’ve made lots of cuts already, most painfully, Starbucks. The latte effect right? I do allow myself Starbucks once a week, but instead of a 4 dollar latte, I get a coffee, it’s lots cheaper.
We’ve cut back on our cable bill by getting rid of premium channels, we usually just flipped through the channels, never settling on anything.
I cut back on my hair budget, which had gotten WAY out of hand in my never-ending search for life changing hair! We cut back on the Tivo bill, we had 2 Tivo’s and 2 DVR’s …that’s just crazy.
We cut back on our entertainment budget by having more date nights at home. The options here are endless. Sometimes we bring home pizza from Costco, (It’s good and cheap!)or grill out and make brownies. I light candles all over the den and we talk about anything that is good and positive. No budget conversations allowed on date night! We also like to have movie nights at home with movie candy and popcorn. The movies are usually not worth the high cost at theatres anyway.
We cut back on our grocery budget, paying closer attention helped a lot, if I plan menus ahead I can always save money. It’s those haphazard trips to the grocery store when I just put in whatever looks good that really makes the bill go sky high!
I canceled our on-line coffee service (Keruig coffee pods at the door once a month). I’m making more pots of coffee and less one cups!
I cut out my Amazon book budget. I read a lot! I’m going more often to the used book store in my area. Lots of savings here, the books I read are not for trade but they are half off the cover price!
That brings me to today Today, I’m working on the second round of cuts. I’m getting rid of the Internet on my blackberry, cutting back on another DVR and getting rid of HDTV. (Half the time we don’t even turn on the HD channels!) I’m going to see about cutting more out of our grocery budget too as we’re still wasting food with just the two of us at home.
Are your watching the pennies in hopes the dollars will take care of themselves? It takes thought and creativity. And it sure helps to have a positive attitude. Anyone can spend money and live well. But it’s a gift to be able to live well on just a little.