Money left at the end of the month?

                                                         

Hello Dear Reader,

Do you sometimes feel there’s more moth than money? Does the cost of living mean you are stretching your budget further than ever? I know it’s really hard and it’s getting harder. 

I’m a normal person, I like a nice house, to dress well, to smell good and to wear quality shoes but just because I want something doesn’t mean I’m just going to go out and buy it. I like to save up and buy what I need and I certainly don’t go without. What I have learnt to do is take time to think about and plan my purchases and wait until I can afford to buy what I need. Sometimes, I have to have a word with myself and remind myself I have plenty of shoes or dresses but it doesn’t stop me from wishing and wanting.

I thought I’d share a few of my ´don’t spend’ questions that you can ask yourself if you’re tempted to spend when you ought to be saving.

Will I really use it?

Do I already own something that I can use in place of this?

Can I get one second hand ?

Can I make one myself?

Will it serve more than one purpose?

Will this be cost effective to maintain?

Will using this require a lot of energy?

Can I wait a week before buying this?

Will buying this make me happy? How long will it make me happy?

Would it be better to rent?

Can I swap for it?

Will I get my money’s worth out of it?

Will I continue to use it after the novelty wears off?

Could I get the same product somewhere else for free? Freecycle?

Will I actually use this product?

How many hours will I have to work for this?

Can this help me financially?

Do I have the room to store this?

Can I find this cheaper?

Is it on my shopping list?

Do I really need it?

By the time I’ve asked these questions, I talk myself out of buying and remember that my aim is to have money left at the end of every month. Of course I budget but I also have to make sure I rein in spending and say no, even when I want to say yes. I don’t always like it but I know I have to do, what I have to do. 

Until tomorrow,

Love Froogs xxxxx

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17 thoughts on “Money left at the end of the month?

  1. I’ve started a new rule, if I buy a new item of clothing, 2 items have to go into a charity bag. Hopefully the wreck which is my wardrobe will improve. Love your blog.

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  2. Of course, all this goes out of the window when the Yves Rocher leaflet arrives with a good offer together with a free gift!! 😉

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  3. I used to be a SUPER penny pincher (aside from nutritional supplements, lol). I’ve moderated quite a bit because my wife is on the other side of the spectrum. We do enjoy the finer things in life from time to time, but she also understands our need to maximize savings as well. I think people need both in life. Anything too extreme is not really feasible.

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      • I so agree. My amazing parents who, gave me a wonderful upbringing, and sent all 6 of us to college on my father’s .modest professor’s salary would have added another question, aimed towards the “but I deserve it” mantra, which was more of a caveat: Is this .what YOU think you should do with your money, or what someone else (society) thinks.?

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  4. If I buy something that’s classed as out of the ordinary spending wise (i.e. not food, petrol and necessities), I try and recoup the money in other ways eg. Sorting wardrobe and selling excess on ebay. This rainy afternoon has been spent scanning dvd’s to sell to Ziffit – I’m up to £64 so far – who knew we had so many stashed in the clutter!! This will go towards something useful.

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  5. I used to spend a lot more on clothes before the children came along , I still like to look nice and have a hair cut etc but now I scour the charity shops for items and pay for them by selling outgrown or declutter stuff on eBay . I usually turn up a groupon for my hair cuts £7 for the last one ! Like you my creams come from Aldi and I have been known to ask in the dept store for perfume samples to tide me over till my birthday !! I get a free brow wax in my birthday month with my Debenhams beauty card then maintain myself the rest of the year , bargain cross trainer and weights (2nd hand bought with eBay money ) is my gym at home !!its only human to want things but millions of frugal ways to get them with a bit of determination!!

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  6. Have sent you 9mls of Jo Malone sweet basil cologne in the post today. Never used, reclaimed from my daughter’s bin! Enjoy.

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