Now before anyone yells at me for talking about the holidays before we’ve even hit Halloween, just hold your horses and give me a minute to explain. The most common mistakes made when spending money for the holidays is not having a plan and starting too late. So in order to avoid that issue I’m writing this post today to help you get a head start so that when the holidays do come you can enjoy them without worrying about your bank account.
So, if I have your permission, I will continue. ;) continue reading
So often we can feel like we don’t have enough money for all the things we need in life. But sometimes we can be spending unnecessary money on things that really don’t need that much money. Today I wanted to give you just five things (for starters) that you are most likely spending too much money on and in other words, wasting your money on. continue reading
When trying to start out minimizing your expenses it can be hard to figure out what exactly to minimize. “Where should I cut back?” “How do I start minimizing things?” “Is this minimal enough?”
All these questions can come flooding in and when you are doing it alone it can be hard to try and figure it all out on your own, without others doing the same change.
That is where I come in.
That is where I’m here to help you figure some of this out, and today, with this post, it is How To Find Your Minimal Budget. So let’s go ahead and do that! ;)
If you’ve ever gone any length of time without spending money you’ve probably thought to yourself, “What am I going to do instead?”. It can seem, when we are in the habit, that the only way to have fun or have “a life” is to spend money. We get so used to doing activities that cost money as a way of entertainment, we forget or don’t realize how much money we actually spend on those things.
These last few months Greg and I have add to cut our spending down completely to just the necessities and it’s felt a little strange at times but isn’t as bad as I thought.
Where before I was so used to just going out to a thrift store as my activity for the day, now it seems weird walking in there. Where I used to just not think twice before picking up an item for a couple bucks, now I’m not constantly asking if that is even worth it?
It’s all about building habits. continue reading
Today to continue on with the series of living on less I’m talking today about the difference between the typical budgeting process of using percentages to divide up your income and the way I approach “budgeting” by living minimally and keeping my cost of living down. I put the word budget in quotation marks because I think that word means something different to people when they read it than what I mean when I type it.
When people think of budgets I think they tend to think of restrictions being put on your money. Or they think of a budget as a way to tell them what they can afford to spend on things. I tend to think of budgeting as just finding an amount you can live on, and sticking to that. Living minimally (and using a budget to help you do that) to me is a lifestyle change and other budgets are just a diet of your current lifestyle. continue reading