This time last year my husband had just left a job that had been paying him prevailing wage. Our budget was already smaller than it really needed to be because we were still saving for a house, but once that income was gone we decided to minimize our spending even more.
The main thing we did was cut out our “shopping budgets” which was essentially $25 a month we both were allowed to spend however we wanted. (I broke down how I spent my $25 in a couple of posts here.) Once he left his job we decided it would be better if we cut that extra unnecessary spending out and focused on only buying what we needed or had to buy.
At first I was pretty sad. I agreed we should do this but I also hated the idea of not being able to buy any clothes for awhile (My $25 was most predominately spent on clothing!) and mourned the loss of Saturday afternoons spent thrifting.
Though I still wish at times I could go and spend a little dough it’s been about a year now of living this way and it actually has completely transformed my perspective on money, shopping and spending in general. I’ve always been cheap or “money savvy” but going to minimal spending has really challenged everything I thought I knew about money. I decided today that I would delve into those changes and what exactly I learned from this year in hopes to either encourage you to do the same or give you the insight I learned without you having to go a whole year. Because, I’ll help a friend out! ;) continue reading
My last post I decided to divulge all our secrets about how my husband and I only spend $200 on our food every month. I know you guys love it when I post details of our finances and I’m pretty much an open book so I decided to do it again in today’s post and talk about our household money.
Today I’m going to share some of our ways with you of how we manage a $30 monthly budget for all of our household items! continue reading
One of the hardest expenses for people (and us) to budget is food. It is so easy to blow through money on food because you literally just eat it away. Then two hours later you are hungry again and there is no sign there was ever food bought in the first place.
From groceries, to going out to eat, to convenient snacks or coffee shops we spend so much money stuffing our faces and half the time we don’t even realize it.
Greg and I however, have managed to keep our food budget at $200 for the last 2.5 years and have never starved or gone hungry because we ran out of money. It’s not always a five star dining kind of life, but it’s possible and keeping our food money this low has allowed us to do a lot more with our money in other places, so it’s always worth it. continue reading
I wrote minimalism and productivity into this title because I think they go hand in hand. When we cut back the clutter in our life we can focus on the more important things to us. This in turn helps us be more productive towards those things.
I’m really passionate about spending your time and money wisely, growing as a person (especially us millennials) and working towards goals and dreams. This topic seemed to fit a lot of those things and was something I wanted to write for you guys.
Let’s get into it! continue reading
Have you ever heard about a friend going through a hard time and wished you could help? Have you ever heard of someone’s car trouble and wished you could pay it for them?
But then you look at your own finances and you think you can’t really afford it?
I’m going to let you in on a little secret! You have the money, it’s just going other places.