Money Mental Moments

Posted on March 13th, 2015 by Discount Debbie

chocolate

Most of the time Thrifty Divas are hard core about saving money. Every now and then, however we lose our minds completely and spend so much more than we believed possible and feel guilty about it later… maybe.

The Candy At Check Out

We feel good about ourselves as we completely pass the store aisle that holds all the coveted candy. But we have two children under the age of two shopping with us. By the end of our shopping trip we find ourselves really craving chocolate. Let’s see. There are almonds and chocolate, coconut and chocolate, and even chocolate and chocolate, all conveniently by the register and on the way out the door. So instead of buying a two or three dollar bag of little chocolates we end up buying four or five dollars in candy bars.

Online Impulse Buys

I don’t even need to be at the store anymore to relieve myself of stress by shopping. All I have to do is log on to my computer. I have my log in information saved for all my favorite stores, but it’s unnecessary because you are still logged in from last time. Your payment information is even on file. There are great deals and free shipping. And that’s why I have enough window contact paper to paper a glass house. Too bad my lease doesn’t permit the use of it. That’s okay. I tell myself it’s me preparing for the house we will one day buy.

My Old New One

I need a new (fill in the blank). I may have just gotten a new (fill in the blank) but I just found a better one that must now replace the first purchase. It isn’t that the old purchase is defective in any way, or doesn’t do what I wanted it to. It’s that the model I just found flies to the moon in addition to all that the old new one did. Plus it’s pink. That’s a big determining factor there. It comes in pink.

How do you avoid those budget busting temptations? And how do you forgive yourself when you give in?


Top Spending Holes

Posted on April 3rd, 2013 by Discount Debbie

We all have holes in our spending or little places that we waste money. When trying to cut costs and save more money, finding these holes are a great start. These are some of the most common places people waste money. Check them out and then check out your monthly expenses and see if it rings true for you.

1. Interest rates on credit cards. With the average rate at 18%, if you carry a $500 balance, that’s $90 a year. It doesn’t seem like a lot, but when you can get rid of several of those $90 a year fees, it adds up. Don’t have the money to pay your credit cards off? That’s ok, call  your credit card companies and ask them to lower it. It sometimes works!

2. Cell phone bills. Check your minutes. If you aren’t using the minutes included in your plan, lower your plan.

3. Things you could get for free. Things I never buy are toothbrushes and floss among other things with coupons. Ever year you can get a free credit report, so no use spending that money. The dentist is more than happy to give you a toothbrush at your appointment and I bet they would if you just came to their office and asked for one. Don’t pay for things you could get for free.

4. Late bills. I am not talking about bills that don’t get paid because you’ve run out of money. I am talking about the bills that don’t get paid because you forgot. I won’t lie, we’ve lost bills before and there is nothing worse than late fees when that happens. Do what you need to make sure that doesn’t happen. Get more organized, set reminders on your phone or set up auto bill pay. Just do what you need to avoid those fees.

5. Late fees. Bills aren’t the only place you can get late fees. Library fines and movie rental fines can be huge! They are so unnecessary too! Take your stuff back on time and you’ll be good.

6. Paying for things you don’t use. Our list was the gym and cable. Got rid of both and we are saving over $100 a month!

What are some holes in your spending?


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