A Woman On A Mission....As Well As A Budget.
When I started this blog, I told its readers it was going to be all about living on a budget. You know doing the things you want in life-without going broke. And, it is going to be all about that...because...I truly believe it can be done.
Before you get all, “But what about the expensive things in life or just life being expensive in general?” I get it. You are right, it is...but the good news is...YOU have choices and options and we live in a free yet *wasteful market. No offense but we do waste a lot. *I will save that for another blog or post though and spare you my political opinions. You’re not here for that. Ha.
Soooo. Hear me out.
I’ve pretty much always counted my pennies because I’ve never lived a life where I didn’t have the choice to do so otherwise. I’ve always played this game of mostly everything going to something important like a bill or a responsibility and that’s okay. I’ve seen places and done things and my life isn’t on hold or incomplete. Also, the older I get the less there is a desire for the fancier things in life. An expensive vehicle isn’t my thing-unless you count a classic car. A big, lavish home isn’t my thing. I’d rather be close to the people I love and use the space I have. My life is not a bad one. In fact, I get great satisfaction from it. I have my health, clean water to drink, a roof over my head, food to eat, a loving partner, a sweet fur baby and I am surrounded by a solid group friends and family. So in retrospect-I’m alright....and those are the important things.
Still, my financial woes are only temporary and they were my choice. I went after a dream and knew that meant sacrifice. However, I am positive I will-one day-not have to be so frugal...but until I get there, choices are what I have and decisions are what I’m making.
And honestly, this whole lesson on ‘tightening my belt’ hasn’t been a bad one. Sure, there have been moments where I have been completely stressed out, wide awake at night trying to figure out how all the bills are going to get paid but this isn’t my first rodeo and I have faith things will work out. They always do. I work hard and sacrificing for me hasn’t meant giving up something in exchange for some celebrity style life. It’s just meant a change in focus and direction. Those things are meant to be exciting-no matter how frightening they can be. This whole journey into thrifty living has led not only to sleepy eyes opening but to a new means of living and a perspective that I feel better about.
I’m opening doors I never thought possible and the universe is listening...all because I chose to believe that watching my pennies is a good thing and not a pain in the rear. Again, sure I get irritated that I have to constantly walk a financial balancing rope but that’s just me and my moods and they are usually passing.
You know why?
Because I’m creative and resourceful and understand what really matters and what doesn’t at all. I’ve seen too many signs to think otherwise so I no longer think of my plight as a struggle, rather it’s a new refreshing direction. A way of life that’s lifted me from the dredges.
Buying an expensive top vs. paying a debt. A choice. Finding a thrift store score and paying a debt. A decision. Going on a grand trip vs. sticking some extra money in savings. A choice. Taking a weekend getaway to a local location with my husband and sticking some in savings. A decision. Going on an expensive date vs. putting money towards the next month. A choice. Going to a free art show and putting money towards next month and making a date out of it. A decision.
I weigh the choices and options constantly and until I’m ahead, I don’t mind. Like I said, it’s not a bad way to live.
You’ll hear me repeat that phase often.
The goal is to get out of the financial hole.
A few years ago, the bottom fell out. I/we (my now husband and I) had to get inventive. We barely had enough money to make ends meet and we were both working like crazy. We were exhausted, financially stressed, fighting constantly, and extremely anger and disappointed in our future suddenly bursting into flames. Which it did. Figuratively speaking of course. It was a future we worked so hard to get and just like that-it was gone. That happens sometimes and your best move is to keep moving forward...because they only way to get out of the mess is to go through it. Messes, even if you try to avoid them...have a way of hunting you down. They are like the grim reapers of hassles and tag your it.
So yea, our hassles went cray on our asses and we went into fight or flight mode.
Those two years bring me shivers. I go from rage to sadness to happiness. Rage because I know it should have been different. Sadness because of how it turned out and happiness because I’m free. I went through all the normal cycles we all go through when the boat tips over or the table breaks.
And when life throws a wrench in your plans, you have to get smart, have courage, and be open to your plans getting shaken apart. Pay no mind though-just grab the wrench thrown at you and use it to rebuild. Rebuild until you have a solid foundation.
We still have a ways to go before we both feel finally free of all the weights but for once-in what seems to be forever-we see a clearer path. A month before I got married, I told my husband, “The worst is over.” And, it is. The worst is over. I’m taking what I learned and living accordingly.
Saving doesn’t mean stopping. Making decisions doesn’t mean you forfeited a choice and getting creative is my forte so I’m up for the challenge-especially if the outcome is a positive one.
My husband and I just got tired of this financial thunderstorm following us around. So we got smarter. There are a million and one ways and beyond to save a dime or make one and our choices are now creating wonderful decisions for the future.
There are a plethora of ways to earn a little extra date night cash. There are an abundance of ideas on how to save a little extra and they don’t involve you losing your patience or mind in the process. They just involve you doing them and making them a part of your routine.
I’m not a fan of the whole idea behind a side gig but I understand it. I get the need for it. I understand that nowadays “just getting by” takes more than just 40hrs at a regular job. You need more. You either need to live way below your means or spark some fire under yourself to get things moving. Whatever you do, it just can’t involve standing still. In addition to having a full time job, I too have ‘side gigs.’
My thrifty living got amplified while planning a wedding. My husband and I had a set budget. A very teeny tiny set budget...and there was no wiggle room for it to expand. I had to figure out something. Everything we were making was going somewhere else and a wedding wasn’t in the cards unless we did more.
I could have opted for a court side ceremony but I have always dreamed of that big day and despite where I was financially, I wasn’t willing to bend. I was however, willing to compromise on how much I really wanted to spend.
Planning my wedding evoked a passion I had pushed down for years, it also became the catalyst for this blog. I’ve blogged for years but up until about a year ago, my blogging never had niche. I had written for multiple publications but I wanted something all my own-something I was truly passionate about and saving money is one of them.
Finally. A direction. An epiphany. My blog has a story to tell. I know I’m not the only one out there speaking on this topic and I when I found others just like me, I felt an instant camaraderie to other women doing what I was I was doing. This is my knitting circle and I’m happily obliged show up with new metaphorical patches to share.
Money making, saving money, life hacks are some of my favorite Pinterest finds and personally I need those real stories, that real information, not just some woman on a beach repeating, “love and light.”
I need ideas, advice and direction on how to make things happen. Not just women in front of big cash purchases saying, “you can too.” Or, if you want to get brutally honest-not saying anything at all-just showing off. I’m not trying to sound bitter. Honest, I’m not bitter at all nor trying to make any woman not feel proud of what she has. Embrace that pride, I just don’t want any of that so I sorta pass it on by with a cynical roll of the eye.
And until I have MY one goal of financial security happen, which I’m working on as we speak, it’s to the frugal tribe I go. I like us. We’re humble and kind and apt to, “Straighten the crown without announcing it’s crooked.”
Hopefully, they will welcome me with open arms as well.
Married, not married...we are living this life where every dollar counts. This thrifty sister crew started finding out tricks and hacks and wanted to share those secrets.
As do I.
So if you’re a follower-you know what time it is. Yup, it’s thrift saving tip time.
Thrifty Tip One:
Save money where it counts so you can have the money for the awesome life you deserve to live. If that’s a trip, an experience, a new whatever...or storing it away for a rainy day, it’s yours so do what you will with it.
A huge area in which I have saved has been in the grocery shopping department.
We all eat and need sustenance but sometimes because we’re broke, we rely on quick, easy and cheap. That’s all in good occasionally but unless you want a heart attack, it shouldn’t become the standard. When I grew up “fast food” was a treat because it was actually the expensive alternative but since the advent of the dollar menu as become the instant go to. You’re hungry and have a buck, there you go...a cheeseburger. It used to be some bread and sandwich meat wouldn’t cost more that that of the dollar menu but as we see now that’s not the case. My grocery bill was driving batty-even with coupons. I wasn’t saving much and it seemed like the price I always paid never added up to the amount in my bags. I couldn’t figure it out and just like that-one day while shopping with little in my wallet I had an “Ah-ha” moment.
Next time you go shopping, do this experiment. All those name brand items, take them and compare them to the store’s brand. Every name brand has its store brand equivalent. Shampoo, toilet paper, macaroni and cheese-you freaking name it. Look at the item-I mean look at it. Compare the two. What you will find is they are the same except for TWO MAJOR THINGS: the price and the ingredients. Shocker to all! Those ingredients are actually better in your store brand items.
If it looks like a duck and quacks like a duck, it’s most likely a duck.
I couldn’t believe it either. So much so that when I figured this out, I came home with my groceries in hand-proud as a peacock-bragging about what I had to discovered then telling my husband how I want him to see it too. We haven’t gone back to name brands since.
My ingredient theory has been tested multiple times and the results are the same. Healthier options, half the price. This is even true for your store brand “organic” section. My grocery bill has been cut in half since learning this trick. We stopped with the organic name brand free range eggs and went with a local farm our grocery store supports and I mean real cage free eggs. You know what I’m talking about, right? Incase you don’t- cage free eggs all have different sizes, shapes and colors. If you eggs say “cage free” but look exactly the same-they indeed are NOT cage free. You’re eating eggs from hens that are cramped up and miserable. This switch has saved us about two dollars on eggs every time we get them. Our milk, same thing. It’s local about three dollars cheaper and doesn’t come with hormones.
Two to three dollars off from what you were originally paying on every ticket item adds up and I’m no longer spending hours clipping coupons or entering apps for discounts. I’ve just become a smarter shopper.
In the next year, I want to compare what we used to spend vs. what we do now-to see exactly that amount. For now, I know what that bill used to be vs. what it is today and I’m happy to report it’s a million times better.
*Hint: if your trying to save money or get yourself in a better financial setting, you are going to have to keep track of every receipt. You will become your own book keeper...you have to. Every month should be laid out before you before entering the new month. This is part of your choice to make things better financially. You will find this tedious-unless you love Excel sheets-but at the end of every month, it’s refreshing to see what you’ve made vs. what you’ve spent. It is also the number one way to get ahead and to visually see where you stand.
Thrifty Tip Two:
So you want a date night? Who doesn’t? So you want to go somewhere you haven’t been before? Who doesn’t? So you want to try out some new restaurant? Of course, of course...what foodie doesn’t? But then you look into your account and see there’s no way. Don’t fret. Don’t crawl into a proverbial dateless hole. Go out, have fun and do your thing.
Here’s how.
Most restaurants have lunch specials or smaller menu items, happy hours and discounted apps. Find one and try it out.
Most cities have free art walks! Do this and do it often. It’s fun and you get to see and support all your community. Most galleries offer free food and drinks. Some venues offer that and music. This makes not only for a fun date night but a free one as well. Win/win in my book.
If art’s not your thing but nature is. Parks are free. Find one you haven’t been to and visit it. I feel lucky that I have so many trails at my fingertips that I often find myself wanting to do that over going to a fancy dinner.
If you want to check out anything that includes a ticket purchase, look into your state, city or nearest city’s FREE DAYS. Most states have these and yup they are all free. I’ve been to the zoo, art museum, science museum, and national park all on a free day. It’s a bit more crowded but personally, I don’t mind. I’d rather save the dime and share the space with others then regret doing something just to it.
Like music but can’t wrap your head around a hefty concert fee? Look into free festivals or music in the park. Again, most cities have them and they go on throughout the year.
Wanna save the gas in your car for all these adventures? Grab some friends and car pool. Take the bus or train...or hop into to your local library and stay put. Your town-wherever you are-has community involvement and things to do when your board and low on cash.
Wanna go further and broaden your choices? Got some clothes or household items you don’t want anymore that are still in great shape? Great! You are in luck because there’s a home for those things and they bring you money and depending on what you have, a decent amount of money. It’s nothing that will get you rich but it most certainly is enough to grant you some of those desires.
Thrifty Tip Three:
On a suggestion, I started an eBay page and it has been quite the treat.
A) I now know people think my style is lovely and B) making side flow every month has helped in giant ways.
Look! Imma be real honest, we all have things we haven’t worn, have barely worn, haven’t used, or have barely used lying around our homes. For me, it was clothes. Dresses, jackets, tops, and shoes...all taking up room and weighing me down.
Who knew these things could buy me a date night or a ladies night or get me through the next month? Who knew this could help me with rebuilding a nest egg?
I mean, I had heard about eBay before but I didn’t believe it could actually make you money. I never believed because I never tried.
I couldn’t be more grateful to my friend and her money making sharing experience. This train has led me down another passion-one I never thought could ever work.
For real, y’all...my whole life-aside from writing-I have always wanted to own a boutique and in the near future I hope my site becomes an online version of that very brick and mortar vintage shop. Records. Click here. Furniture. Click there. Clothing. Scroll down. I’ve always desired this and without my struggle, I may have never figured out the right steps to build that path.
Thrifty Tip Four:
Don’t give up!
So you hit a rough patch...it’s okay. You will survive. Just keep moving. Look to our tribe for some solid advice. I’m making damn sure my sites don’t steer you wrong. I wanna help because we all deserve the life we dream of. Yours may include more of it may include less but my words are of those of wisdom. It’s not Devine, just “been there, done that.”
You don’t deserve to be boggled down with worry. Although I’m sure you will from time to time. That’s human nature and there ain’t a damn thing that can change that. Just know-you are strong and capable and most importantly, loved. You can do this and you will. It’s just part of the process.
And because this blog shouldn’t only be all about ways to save and live that thrifty tribe code....I gift you the “Cha-Ching, Whoop, Whoop” portion of my post.
Cha-Ching Said Whaaaat:
In addition to selling your unwanted items, check out this nifty app called, Job Spotter. It’s not cash in hand but it is something you can spend however you want...essentially.
Your only requirement is to post pictures of “Help Wanted” signs. Not on your social site but theirs.
Even better, right?
Each sign collects points and the points get collected. They then get converted into Amazon gift cards.
Very Cool, right?
I told my sister about this app months ago and when she came to my wedding and saw a help wanted sign she stopped and took a picture of it. I, of course, knew why she was taking the photo and of course had to then probe her about how she liked the app?
She gleefully revealed she had made a nice little chunk of change in Amazon gift cards because of it.
Nice, right?
I started using it when I was planning my nuptials. I needed candles and centerpieces. A cake topper. All those little things that add up and require money to get. Had it not been for Job Spotter those things would have never been purchased.
This app is user friendly and the task is as easy as they come: take phone out, snap photo, send and watch points go up. From where I stand, you most likely have your phone on you anyway so why not earn some cash at the same time.
I swear, once YOU download this app, you’ll thank me. FYI: they didn’t pay me to sell this nor even have a clue I have mentioned them. I just want to pass it along and tell others because it’s that freaking amazing.
Now my next “Cha-Ching” proposition is more time consuming than the last but very much worth the hours and no I’m not talking about surveys. Those are a super invasive, time consuming and come with very little reward.
Thank god, someone finally said it.
You’re welcome.
No, no, no...I’m talking about becoming a brand ambassador. I BA for multiple companies. Some pay me for pictures and “free” marketing while others require me to physically show up.
The schedules are extremely flexible and pretty much allow me to dictate my own hours and already having a full time job, I need that flexibility.
All it takes is being reliable, fun, and interacting with strangers: either through your social media accounts or in person. BA’ing offers both and I can only relate it to *affiliate marketing. You are basically promoting a product in whatever ways they ask. Some ask for very little while others ask for much. It depends on you and what you can do.
*head’s up, readers...if any of you do affiliate marketing, I would love to pick your brain on how. I want to talk to a human-not just a post that sounds like an advertisement. Please and thank you.
One of my BA gigs is mainly through my Instagram page and it involves me marketing their products through pictures and posts. I believe in this company’s business practices so it was no question about advertising for them...and truth be told...because of those few posts...my husband and I were able to buy his wedding band.
One he really was stoked to wear. I doubt had we found one along the way in some jewelry store, he wouldn’t love it as much as this one! I love his soul so much.
Number one hint: believe in the product you are promoting...believe in what they do so it doesn’t come across as phony or fake. These companies want authenticity.
My husband’s ring planted 100 trees and paid persons a living wage for their work...and our hearts are filled with love looking down at his finger. They do so much and I will continue to advertise for them...as long as I can...as long as they will let me.
Hats off to you, Madera Outdoor Company. May we all find ways to follow your lead.
Another BA project helped pay for my wedding catering total. A few hours of work on a few weekends I could spare and boom! Less stress here we come.
If this sounds like something you are interested in look into it. I had to physically go to these events and there were no photos that could make up for my absence but nonetheless it was fantastic and great money.
My best leads come from Facebook groups so start there. For example, if you live in Miami-type in Miami Brand Ambassadors. If you like a company, check to see if they do a brand ambassador program. It might be of the photo variety or it might be you promoting a live event...either or...give it a shot.
Mom’s, dad’s, grandparents....the kiddos. Anyone can do this.
Most businesses want free and organic connections with their consumers and they will pay you to do so. Either in heavy discounts or decent monetary compensation and whether you want the physical jobs or just the ones where you’re snapping a photo and writing a quick note hash tagging and @‘ing a business you support, BA work is a plenty. Look into any company you love...I promise they have some sort of BA program. If they don’t, mention it to them and make yourself known.
Regardless....
When the going gets tough, the tough get going and we won’t stop until we reach the finish line.
I love my life and I’m happier than I’ve ever been. My belt is tight but I’m stronger and wiser and well equipped for the challenge. I’ve hit hardships plenty of times before but the difference between now and then...
I have the know how to thrive, the tricks to survive, and my wonderful thrifty tribe all backing me up for tomorrow.
We got this ladies, we got this.