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5 Things I’m Spending Too Much Money On And How I’m Going To Stop

ways to curb your spending

I’ve  noticed that our spending has crept up over the past few months, and I think I’m mostly to blame. The problem is that I can justify just about any purchase and make it seem like a necessity. That’s probably a big reason we got into so much debt a few years ago. We’re not in that situation by a long shot, but I’m not liking the trends. I’ve found that when I share my financial woes, I’m much more likely to turn negative into positive, so here are the things I’m spending too much money on and how I’m going to stop. 1) Groceries No, I won’t stop buying food, but our grocery spending has crept up since we paid off our debt. In a way, I’m OK with that because one reason to pay off debt is so you can actually buy a bag of cherries and not feel guilty about it. On the other hand, I do think I get fooled by the store’s advertising. I see things on sale and buy them, even if we don’t really need them at the time. The other day I went in for a few items and found myself buying ...

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Is Kindle Unlimited A Good Deal?

unlimited books on Kindle for $9.99 per month

One of my biggest impulse buy temptations is Kindle books. For years, I was a hold out and refused adapting to e-books. I thought I preferred an actual text in my hands, and I liked the look of books on a shelf. Doesn’t that make you seem smarter? Anyway, my office staff gave me a Kindle, 2nd generation a few years ago, and I was hooked. No more carrying books around. No more not having a book when I want one. I upgraded to a about a year ago, and it’s like crack for avid readers. Almost any book in a few seconds. What’s not to like? Well, that also presents a problem. I have been known to binge read. It’s kind of like binge watching, but can cost much more if you have to buy several books in a series. I am not one who can space it out either. It’s a wonder my family got fed during the four days it took me to read the Hunger Games trilogy. I try to limit my Kindle purchases, but it’s really hard if I find a series or author I like. When I heard about Kindle Unlimited, I wondered if ...

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Should Parents Control Their Kids’ Money?

"Me, join the circus? No way, I want to be a princess when I grow up!"

I don’t remember having much money as a kid. Aside from the tooth fairy and a few $5 bills I got for birthdays, income was pretty low. As a teenager, I got a part time job as soon as I could. I spent MY money on clothes, cassette tapes (yeah, I’m old), and all sorts of crap I’m sure I “needed” (a $30 Hypercolor t-shirt and some cool Ray Bans come to mind). My parents never gave me rules on what I could and could not buy (except for the obvious illegal things). If I earned it, I could spend it. It seemed like a good deal at the time, but now that I’m a Mom, I wonder if parents should control their kids’ money. How Much Money Should Kids Have? My parents or in-laws never did allowances, so Jim and I aren’t really into that. We think it’s not unreasonable for a kid to keep their stuff neat and be able to do some basic chores appropriate for their age without getting paid for it. If our daughter does something extra helpful or wants to sell her toys at a yard sale or consignment, she gets money for that. ...

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When a Bargain Is Not a Bargain

Cadillac.com

One of the reasons we got into and stayed in debt so long was because of “bargains.” Jim and I were almost always shopping, meaning that if we saw something that seemed like a good deal, we bought it. It didn’t matter if we needed it or if we had cash on hand to pay for it. That’s what credit cards were for. I bet 95% of the stuff we bought back in the day was on sale, sometimes at a great discount, but if you don’t need it and can’t afford it, a bargain is not a bargain. I’ve had two experiences over the past few weeks that have really tested my money resolve. I think bargains can approach from many directions, often when you aren’t looking. Sometimes the presentation can seem like such a good thing that all your frugal and money smart tendencies just don’t have time to register. But It’s My Family When a so called bargain comes from your family or friends, it’s an even greater temptation. If someone you know and love has it and loves it, it can’t be all bad, right? I love my sister. She would never try to steer me ...

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Great Clips + Sally Beauty Supply Vs The Salon

hair-color

I have another confession to make. It’s probably the number one reason why I never fit in as a true Southerner growing up in Kentucky. Ready?…. I hate to have my hair done. I have naturally straight, thin, brown hair. My Mom always loved big hair, even before big hair was a thing. She started me on perms when I was in 5th grade. Highlights followed. Until I was in my early 20’s, I had a standing haircut, color, or perm appointment every 3 months. It was more regular than the dentist! I gave most of that up a long time ago, but I do still enjoy the results of a good color job and a new haircut. We all know it’s easy to spend a small fortune on personal care, but I don’t think it has to be that way. I though it would be fun to compare the cheap  DIY routine of Great Clips and Sally Beauty vs going to the actual salon. In A Perfect World If life were as it was supposed to be, I’d just cut my hair really short and let it go gray. I am OK with getting older, but I’m not ready ...

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