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Confessions of a Super Saver: I Wore a Pair of Disposable Contacts For Two Years

pink-eye

This is a post from Brent at Vosa.com. Enjoy! When I think about this story, I can’t hardly believe it. I can’t hardly believe that there was a time in my life where I wore the same pair of one month disposable contact lenses for more than two years. Yes, you read that right. I wore the same pair of disposable contacts for more than 24 times longer than I should have. The worst part is that I didn’t, and still don’t, have a really good excuse. I was a year or two into my first job out of college as an engineer designing medical devices. I made a reasonable wage for a second year engineer and I could definitely afford to buy new contacts. Apparently my priorities were more closely aligned with my savings and investing goals than the health of my eyes because I put off buying a supply of new contact lenses for two long years. You don’t need to be an optometrist to know that this is a terrible idea. I’m pretty sure I even knew it was a terrible idea at the time and I’m happy to report that my eyes survived my two years ...

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Tips For Living Within Your Means…Painlessly!

Budget-expenses

This post is from Jerry Coffey at Repaid.org. Enjoy! Living within the confines of your income is the best way to keep yourself out of debt, or at least hold your debt to a manageable level. Now that I have written that down, everyone will magically be living within their means in the morning, right? Maybe in cloud cuckoo land. Here are a few tips that may help you find a way to live within your income and begin repaying some of your debt. Where Does It All Go? In order to live within your income, you have to know how much you make and what all of your expenses are. A good place to start is to know what all of your fixed expenses are. Fixed expenses are items that you cannot change immediately. Little nagging expenditures like rent/mortgage, car payments, etc. Subtract that amount from your income and you will know how much you have available to commit to your variable and discretionary expenses or pay down debt. Become a Tracker Not of wild game, but of your expenditures. This is the first step in forming an effective budget. We all have areas where we spend money them ...

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Affording Fresh Fruits and Vegetables On A Budget

Affording fresh produce

I shared last week about my quest to eat healthier to lower my cholesterol. The USDA recommends five servings of fruits and vegetables every day, but affording fresh fruits and vegetables on a budget can be tough. They’re much more expensive than hot dogs and ramen. How is someone on a strict budget supposed to hit all the recommended daily allowances and still have money left over at the end of the month? Now, I know you can grow a garden, can vegetables and fruits for later, and make an assortment of jams and jellies. If you know how to do that, you probably don’t need to read this post. If you are like me and your thumb couldn’t even be considered a shade of pale mint, let alone green, and if you’re too lazy busy to be that ambitious, these tips are for you. Saving at the Grocery Store We all know to shop for produce that is on sale. I also like to sign up for a store’s email, value card, and coupon list. While it’s rare to find produce coupons from manufacturers, stores will send coupons in the mail or online for things you buy most. We ...

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Reformed Spenders Adjust to Life on a Budget

It has been about three months since Jake at I Heart Budgets shed blood, sweat, and tears to create a budget for my family. I’ve tried to make and follow a budget before, but always got sidetracked and gave up. We also spent money without much forethought, so budgeting doesn’t really work in that scenario. For almost two years, we were on a no spending moratorium to pay off our credit card debt, not really a budget, but it worked. Now that we don’t have the debt, we want to make sure our old spending habits don’t creep back into our lifestyle. While we aren’t perfect, we are much improved, and I’ll share some observations about our new life on a budget.

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Paycheck to Paycheck is No Way to Live

If you are one of the millions of people who lives paycheck to paycheck, you might find yourself in the situation of having more days than dollars in the month.  That can be a very scary feeling when you know that your bank account is empty, and there are still several days until you get paid. While panic might set in, if you take a minute to analyze the situation, it might not be as bad as you think. With some planning, I believe anyone can avoid the problem of running out of money at the end of the month. If you know that you are completely broke and have more than a day until payday, organize what you need to buy. I like lists, so I would write down what you think will need money until the next payday. If the list includes food, gas to get to work, or rent/mortgage or bill payments, those are necessities. If the list includes a birthday gift, a promised dinner out with a friend, or some sort of apparel, those can be postponed or avoided. It might not be the most popular thing to do, but if your friend is truly a ...

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