Frugal Beautiful

Posts Tagged ‘Splurges

Stupid 30-Day-No-Shopping Challenge!   I love Etsy though, if you want to splurge- (meaning, you can unlike myself) do so with an amazing small-business owner that crafts her own goods.  I truly believe that a few treats once in awhile will help your frugality goals in the long run.  All work and no play is not good- but at the very least, enjoy some Etsylicious eye-candy 🙂

 

 

 

 

 

 

Dainty shaped soaps and guest towels are no longer for Grandma’s guest room.  These colorful soapy confections are great for a new generation.

Get yours @SatinandBirch

 

 

 

 

 

 

 

Donuts are the new cupcakes.  Find this and other retro-delicious designs @ CollisionWare

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

I ❤ Pugs!  Find an adorable item with your breed @ MauStudio

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Oh laudy- isn’t this just gaudy (in a really, really good way)  Totally perfect for spring.  Made by ThreeWildnCrazyLadie

 

 

 

 

 

Customizable for your favorite breed- but you know, “pug” is probably the best bet 😉  @ KeepCalmShop

Victoria's Secret Black Friday at Westfield San Francisco Centre 2009While I am not in consumer debt- I seem to have a penchant for spending as much as I make- if not sometimes more (which is easy to do when you work part time and go to school).

I find that my spending habits are irregular- sometimes I’m very aware of my income level for the month and spend accordingly- other times I feel as if I make all of my purchases at once leaving for one month of an unusually high credit bill.

I just recently took in a foster pug named Ralph, and while some expenses are reimbursed, much is not- such as kibble, treats, grooming and a bed -$80.  I also a month ago signed up for a student gym which was -$96 ( if I go to yoga at least once a week it’s the cheapest rate around, even better when I go twice weekly!) +$6 for yoga gloves to help my grip on the mat.  I got a great rate to fly back to the west coast for a 5 year reunion with my friends from the non-profit, which was a round-trip ticket for -$305 with taxes.  I also purchased two books from Amazon for -$20.  Needless  to say, it’s gonna be a wee-bit tight for the next two months since I make a meager income and I’m going to challenge myself to BUY NOTHING for 30 days.

I tried to challenge myself and not shop for 30 days at the beginning of this year and failed around day 20.  I had to chip in conjunction with a gift card to buy a pair of boots I needed for winter so that was $25, and a few days later I gave in at Target and got a pillar candle and a picture frame.  Seriously, THAT is what mucked me up- $33 in 2 days.  I have to try again- both because I’m broke and because I’m prideful.

The Challenge Parameters:

-No purchases except food, medical care and necessities for the dog (if the dog needs a crate I will get him 0ne).

-Gift cards may be used, but not if the purchase exceeds the card amount.

-My grocery bill must be under $200 for the entire month.

-Purchases for the reunion dinner are applicable since I am in charge of the food/prep/setup.

What else am I forgetting?  Oh, ya, probably how challenging it’s going to be. Grumble. Grumble. Grumble.

 

I want to set up a reward for myself at the end of the 30 days, but what can I do as a treat for myself that wouldn’t defeat the purpose of saving money? Suggestions are appreciated.

See you on March 1st, 2011 for a challenging challenge!

Oh-so-frugal-beautiful!
Part of being in control of your financial life is being aware of what really matters to you.

Many frugal-gurus advise you to cut down on your “latte factor”…small purchases that may only cost a few dollars but add up over time.

My advice stems from this-prioritize your spending based on what you can’t live without, or simply what brings you the most joy- even if it’s small purchases.

I used to love having my nails done. I would get a pedicure once a month and I had gorgeous acrylic nails. They were great for back scratching, looked great, and I totally loved them. They cost me $25 every three weeks, and $23 for a pedicure. For a flat fee of $25, I could buy my own supplies to do at-home mani/pedis. I calculated that I could roughly save $438 a year if I simply did my spa treatments at home. I can’t do my own acrylics, but I can choose from some gorgeous nail colors, and the security of knowing I’m able to pay my bills each month is totally freeing.  Now I love to do my nails, and have freed my money up for something that brings me greater fulfillment.

When I moved to Chicago, I had to rethink my priorities- number one being the security of having my bills paid in full without additional stress. I then had to categorize my spending based on what would make me the happiest. What did I decide? I decided for me, I didn’t need to get my nails done, pay for cable, purchase books and use the library instead, and I’d brew my own coffee and cook more at home. I also decided to sell any books, shoes or video games I didn’t need to earn some extra coin to pay for things I really wanted. I chose to get a cheaper apartment that with utilities, was under $400 a month (And note to my friends that tease me for being frugal in my living space? Well “friends,” my stuff is PAID FOR, now come over for some boxed wine!).

What did I decide to spend money on? Getting stylish clothing appropriate for midwest weather and to look hot in the cold Chicago winters, getting a dog (that will probably cost me $450), signing up for yoga, and starting this blog. I also decided that I was willing to spend more on purchases to support small businesses for groceries, clothes and yarn- that makes me happy. I was willing to cut back on my shopping in other arenas and look for savings to make this happen.

Plus, you can still have everything you want/need by looking for cheaper alternatives, searching for coupons/discounts, swapping with friends or negotiating cheaper rates on your monthly bills.  Everything is attainable!

Am I happier despite the sacrifices? You better believe it. Being financially efficient is different for everyone- cutting back on your lattes might be cost effective and motivating for one and yet depressing for someone else.  You know what is worth spending money on in terms of your own joy and security- if you can afford convenience in one area, but can D.I.Y. in another- you have the power to make that judgement call!

Take a few minutes to evaluate what matters to you, and allocate your money accordingly to maximize the happiness from each dollar.


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