What did you do to improve your finances today?

This was one of my favourite threads on the old forum, and since there doesn't seem to be one here yet, I thought I'd create one :-)
 

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  • I decided to keep the pet category (even though we lost Max last month) and am allocating that money directly to debt rather than let it fly away. This will be his legacy. 

    Reply Like 8
    • MXMOM This is one of the sweetest tributes I can imagine for Max. ❤️

      Reply Like 1
  • I know it don't sound good, but I had been having to pay my rent close to the 5th of the month. Late enough to be late, but not so late that I had to pay extra. Since I started YNAB, I have been able to pay my rent on the 25th of the month. And not have to be on pins and needs wondering if my check would be in the bank before the money was taken out for rent. So much relief, lol (not actually lol). I have also been able to pay off 3 credit cards and will get another one paid off in October. I have money in the bank. I'm not struggling like I was. I'm still working on paying off cards and savings, but I can see the light and see that it will happen. 

    Reply Like 7
      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
      • 1 mth ago
      • 4
      • Reported - view

      Catlover 

      The change in your behavior is huge, though, and in such a short amount of time!  You and YNAB have a plan and it's working! 

      Now, don't forget to add your true expenses.  Actually, if you're only a week or 3 in, I'd suggest you spend some time googling "YNAB categories" because there were so many categories I'd forgotten to include.  I have about 20 categories for the kids alone (I like things granular).  And the first 6 months will be eye-opening as you have to save so much in so little time for all of those annual or biannual or one-off expenses.  Next year when my insurance policy comes around, I'll have the money up front having saved 1/12 of the expense each month instead of having to come up with the money in two months because I'd totally forgotten it was coming up.  YNAB broke is a thing.  Once you get off the credit card float and get buffered, it releases even more stress over one's budget I find. 

      Reply Like 4
  • I had to restart my budget because I misunderstood the Transactions. Now that everything is nice and tidy I managed to save up € 100 to go on holiday.

    Reply Like 4
    • Khaki Storm
    • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
    • Khaki_Storm.1
    • 1 mth ago
    • 3
    • Reported - view

    Did this last year and it's time to do it again. Paying the auto insurance for the year all at once. That's a $200 savings over paying quarterly, and even more of a savings over paying monthly.  If you're not there yet, just keep budgeting, it will come.

    Reply Like 3
      • TechieM2
      • IT Professional and General Geek
      • techiem2
      • 1 mth ago
      • 1
      • Reported - view

      Khaki Storm I just wish I could still pay mine with my credit card for those rewards points lol.  They stopped accepting credit cards a few years ago and now require a check or checking account withdrawal.

      Reply Like 1
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 mth ago
      • Reported - view

      TechieM2 mine doesn't accept credit cards either, but $200 cash savings is good

      Reply Like
      • MXMOM
      • MXMOM
      • 1 mth ago
      • Reported - view

      Khaki Storm ours works out the same whether you pay it all at once or monthly.  Since it would be $4700 to pay up front for the year (not even sure they offer all at once payment), I pay monthly.  I do pay hubby and kids life insurance premiums in one lump sum because they are each only a few hundred dollars for the year.

      Reply Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 mth ago
      • Reported - view

      MXMOM our last company was similar, only like a 2% savings to pay at once. Then we shopped around, found the best monthly rate, and learned it could go down even more if paid annual.

      Reply Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 mth ago
      • 2
      • Reported - view

      MXMOM Just saved another $25 on the car insurance. I noticed they still had one driver as driving to and from work. That driver's now away at college and the car doesn't move that much. They updated the driver's status and reduced the payment by $25 for the year.

      Reply Like 2
      • MXMOM
      • MXMOM
      • 1 mth ago
      • Reported - view

      Khaki Storm ours is up for renewal in January so we will see what options we have. I used to be with another insurance company for house and auto but in 2015 the house insurance went up by a huge percentage. I was mentioning it at work (where I had just started working) and my boss suggested I look into the employee insurance plan offer we have. It was a lot cheaper so we went with them. As each under 25 male driver in our home has become licensed, we have reviewed car insurance options with other companies and have yet to find something cheaper. Oh, and the new company hiked their home insurance rates the following year.

      (Side story, 6 days after changing insurers, I was hit by another driver and my car was totalled and I was slightly injured. Dealing with the new company was way harder than dealing with the old company. You get what you pay for.)

      Reply Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 mth ago
      • Reported - view

      MXMOM I don't change every year, but I do shop around every other year or so. Overall, to your point, we've only switched twice in the past 15 years for auto ins. We stayed with Nationwide for the longest time, but made the change due to rising costs. We only shop around the top rated providers with strong financial reporting. That usually eliminates the 1-800 tv commercial places that cover you before you get off the phone. 

      Reply Like
      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
      • 3 wk ago
      • Reported - view

      Khaki Storm 

      Wow, I only save like $3 a month by paying bi-annually.  Big whoop dee do, but I still do it. 

      Actually, our car insurance was the reason we started to regularly put money into savings each month almost 20 years before YNAB.  If we couldn't see it, we couldn't spend it.  While I can only imagine how much better our situation would be now if we'd found a good budgeting tool some 15 years ago, we've still managed to save more than we spent over the long run!*

       *except for the mortgage, but I expect we'll pay it off some 5-7 years early if we can continue our current pace of overpayment.

      Reply Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 3 wk ago
      • Reported - view

      Technicolor Cheetah Yep. It wasn't anything they advertised. Just had to ask.

      Reply Like
      • Stacy C
      • nursepower
      • 2 wk ago
      • Reported - view

      MXMOM Have you checked Geico? We pay monthly for 3 people and 2 cars (1 is a new driver) and our insurance is about $320 per month (used to be $200 with just hubby and I, but DS19 was added last year), which is a lot less than $4700. 

      Reply Like
      • MXMOM
      • MXMOM
      • 2 wk ago
      • Reported - view

      Stacy C geico doesn’t operate in Canada. 😒 

      Reply Like
      • Stacy C
      • nursepower
      • 2 wk ago
      • Reported - view

      MXMOM Oh......I didn't realize you were Canadian. Pretty cool how everyone is from everywhere. 

      Reply Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 2 wk ago
      • Reported - view

      Stacy C We're paying 1,600 a year, 3 adult drivers, 3 cars, 1 car on full coverage, other two on comprehensive (between full and liability only). Insurance limits maxed out, because we dont want to be paying out of pocket if I cause a 27 car pile up. Ins. Co. has good ratings for claims and financial health. That meets our needs, there is cheaper, but I want to have claims proceed without denials. 

      Reply Like
      • Stacy C
      • nursepower
      • 2 wk ago
      • Reported - view

      Khaki Storm What company do you use?

      Reply Like
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 2 wk ago
      • Reported - view

      Stacy C It's Owners Auto. We have them on the house too. We go thru an independent agent. I though adding someone in the middle would raise prices, but it's been the opposite. 

      Reply Like
      • MXMOM
      • MXMOM
      • 10 days ago
      • Reported - view

      Stacy C yes there are people here from all over the world. And it’s amazing how much we all have in common. The currency may be different and the laws vary but fundamentally we are all trying to do our best with our money. (Cue We are the World montage). 

      Reply Like
  • I called Loyalty department at ATT and was able to decrease my bill (so they say). We'll see what happens when the first bill arrives. 

    Also contacted Discover card on behalf of hubby ($4K balance that I realized every $100 payment only $20 went to Principal 😮) and they were able to put us on a plan for 6 months where the APR is 10% and they will automatically deduct $200 every month for the 6 months. I can pay extra if I have it. But even if I don't in 6 months the bill should be 1K less vs $120. They also suspended charging privileges for the unseen future, but we haven't used the card in over a year anyway. APR was too high and trying to pay it off. 

    I also went to hubbies CC that I have on Auto Pay and added a few dollars to each one. 

    Reply Like 7
    • Vibrant
    • No more counting dollars, we'll be counting stars
    • vibrant
    • 1 mth ago
    • 9
    • Reported - view

    I figured out how to make cold brew coffee at home!  My son, who works at the same coffee shop where I pick up my large cold press 2-3x/week, gets a FREE half pound of coffee per week as a perk of his job, so my coffee bill is going from $30/mo to effectively $0. 🎉

    Reply Like 9
      • Paris 99
      • paris_99
      • 2 wk ago
      • 1
      • Reported - view

      Vibrant Nice ! Coffee can be expensive ! Nice save !

      Reply Like 1
  • Been purging my house, Japanese style, since the fall 2018. What a release! Now I don't want any paper around anymore, and with YNAB, every receipt gets inputted right way then tossed! Feels good.

    Been renovating (makeover) my unfinished basement using things I already have. Putting up strapping/drywall/painting/shelves in Laundry Room with materials I already had lying around. In a box, found a pile of brackets for shelves that I didn't need from a garage project. Returned them to the Home Depot & got $80 giftcard. Returned the timer I bought for the front door, then repurchased it using the giftcard. Now ahead with found money. WhoHoo!! Purging & making pretty in anticipation of getting an electrician to give me lots of lighting & power outlets. But no point out-laying $2300 until I have done everything I can myself to improve the space.

    Great advice my Mom has given: Use what you have. Look around your house and repurpose items instead of buying. :)

    Reply Like 11
    • Purple Foal Are you using the KonMari method? I am reading her book right now and am interested in learning more. 

      Reply Like
      • MXMOM
      • MXMOM
      • 1 mth ago
      • 2
      • Reported - view

      Purple Foal I keep all the receipts in an envelope in my purse and then every few months clear them out. Helps with returns especially with things like Home Depot purchases where we buy 3 of something and only need 2. Or Costco where you buy something like clothes or an appliance that may need to be returned.  100% grocery only bills do get tossed right away.

      Reply Like 2
    • PerceivingPerdita Yes I am! Listened to both the books in the car. Way better to listen & really think about the philosophy (except *gag* about objects having emotions). I'm just finishing up the miscellaneous category then will tackle sentimental. Brought all my photo albums to a room & watched a movie which ripping out 6 photos from a trip 30 years ago & keeping them then tossing the album. Feels great to only keep the ones you love. Digital purging is an entirely different beast! 

      Reply Like 2
    • MXMOM I input my receipts daily in YNAB, and only keep the ones for warranties or things I might want to return too. Even HD purchases can get dumped since HD has your purchases on file so I return without a receipt right to my CC. 

      Reply Like
      • rushiec
      • I choose forwards!
      • rushiec
      • 1 mth ago
      • Reported - view

      MXMOM  I love this idea.  I keep receipts for things I think might need returning.  But I probably need a more organised place (like a small box/tray) in a central location that they can be chucked in and reviewed after a couple of months.  I agree on chucking grocery receipts (but I do keep, then tear the fuel discount vouchers).  Also I've started not getting a receipt for small purchases - I input very regularly (daily/every second day)!  In practical terms I check the POS screen at the time of purchase (to make sure I'm not being overcharged), and then just use my banking app to enter the transactions later.  Certainly I feel 'lighter' for not bringing home all that paper...plus since YNAB I just don't spend as much/often!

      Reply Like
      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
      • 3 wk ago
      • Reported - view

      MXMOM 

      Shamefully, I ask the Costco employees to look up the purchase in the system.  That reminds me, I have a sweatshirt (NWT!) to return that has been deemed too itchy for tolerance by my kid.  

      Which reminds me that I need to remember to ask for my veggies to be refunded when the checker put like 5 lb of other food on fragile lettuce and fruit.  

      Reply Like
    • Vibrant
    • No more counting dollars, we'll be counting stars
    • vibrant
    • 1 mth ago
    • 8
    • Reported - view

    A couple months ago I picked up a modem and a WiFi router off Facebook marketplace, and today I finally got them set up and connected, so that I can return the leased modem and shave $12/mo off my internet bill. 

    Reply Like 8
    • TechieM2
    • IT Professional and General Geek
    • techiem2
    • 1 mth ago
    • 3
    • Reported - view

    I researched domain registrars again over the weekend and got setup to start moving my collection of domains over to NameSilo.  Once done I'll save about $75 a year(maybe a little more).  I also reminded a friend about the domain he was planning to transfer out to himself, so hopefully that one will be out of my collection as well soon.

    Reply Like 3
  • I made a budget for our weekend away of $1100. Then I used points to buy a Costco Cash Card to buy the attraction passes & saved $200, and bought other passes on Wagjag with a 15% signup discount. After replanning the budget for bringing food with us to save on eating out, it was $900. We ended up not ordering in one night & had issues with the hotel which resulted in a $100 discount. After the weekend of having fun, quality family time, and not being so frugal to not enjoy the moments, I came in at $775. A huge win! I wouldn't have been so mindful of my spending, and in cash for the weekend, if it wasn't for YNAB! :)

    Reply Like 7
      • Bruce
      • Software Engineer
      • Bruce
      • 4 wk ago
      • Reported - view

      Purple Foal That's awesome!  Now that extra money can either sit there waiting to help out with your next trip, or can be socked away to help grow or fund some true expenses! (Or whatever category you want to build up)  That is great you found so many ways to save!

      Reply Like
    • Bruce Absolutely! It will be used for an upcoming ski trip, of which I will make a budget for! :)

      Reply Like 1
  • latecomer to this thread! I've been tracking in my own spreadsheet, but thought it would be fun to join. Will definitely be joining for 2020.

    Total debt : £35,627.53 (Started in 2018) Purchased our first property, had to take out a lot of money to fix things up and furnish etc.

     

    2018: Paid off £9,285.40 (which was the goal)

    2019: Goal is £13,912.16 of which £11,866.78 is paid. 85% woo

    Reply Like
      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
      • 3 wk ago
      • Reported - view

      TooClumsy 

      Wow, you've paid off so much since 2018!  That's really quite impressive!

      Reply Like
      • TooClumsy
      • tooclumsy
      • 3 wk ago
      • Reported - view

      Technicolor Cheetah thank you! we aren’t really overpaying anything, it’s just we are spread so thin when a quarter of combined income is going on debt. Our snowball just started in September 2019 and we’ve paid off one line of credit which was interest free and then one other credit card. Snowball is just under £280 to go on the next priority card, which we’ve had to switch up as the promotional 0% interest offer ends in Jan 2020. 
       

      fingers crossed we can prevent ourselves from eating through our income (is an actual problem, tackling work lunches and groceries at the moment!)

      😱

      Reply Like
      • Technicolor Cheetah
      • Not sure when I became a cheetah...but I'll run with it
      • technicolor_cheetah
      • 3 wk ago
      • 1
      • Reported - view

      TooClumsy 

      Ah, the whole "eating out is fun, tasty, but OMG, did we really spend $700 eating out last month?!?" thing.   Meal planning, freezing meals.  If you can stand leftovers, I realize there are those who don't (I don't understand it, but I know it's a thing that exists ; ), make 2-3 meals of x or y at a time. We alternate, though, between 2-3 different meals, I don't like eating beef stew for 3 days straight.  If you eat meat, explore meats that can be eaten many different ways.  Like, we cooked some carne picada.  Tacos, burritos, dinner salads with carne picada, quesadillas.  If we cook a pork roast, there's lots of different things I can do with shredded pork.  if I make refried beans, I make a double batch and freeze one.  Same with meatloaf (uncooked).  Buying in bulk can be good if you have the space to store food.  Chest freezers mean that I can freeze meat bought on sale and lots of meals we've frozen (am thawing a lasagna we made several months ago in the fridge right now).  

      Also, batch cooking.  Crock pots, instant pots, all good things.  Another thing you can do is buy big flats of meat, more than you can eat, and portion them into ziplocks pre-spiced or with marinade.  before I had one of my kids, I bought about 30lb of meat and we portioned and seasoned all that meat.  It's easy to cook a veggie (fresh or frozen) and make a carb to go with (bread, potatoes, rice, pasta).  Good luck!  There are certainly millions of resources on line on how to spend less money on food!  We eat well on about $6 per person per day, on average ( £4-5).

      Good luck!  It's not easy to change habits when it's about what and how you eat!  Be gentle on yourselves.  Maybe one thing at a time?  Like if you can make lunches 50% of the time at first, that's still a 50%  reduction.  Maybe you can work on 6 lunches every 2 weeks made at home once you're used to doing half.  

      Reply Like 1
      • TooClumsy
      • tooclumsy
      • 3 wk ago
      • 2
      • Reported - view

      Technicolor Cheetah Yes, exactly! Tbh I'm not a fan of having dinners for leftovers for a few days in a row, but if we alternate, it's bearable :)

      We have been batch cooking where possible, I double a recipe when cooking it so we can stock up our teeny freezer. We want to get another freezer (small one as space is limited) when the budget allows so we can stock up even further.

      I have just purchased a vacuum sealer from Aldi, which I tested out at the weekend and I think this is going to allow us to take advantage of any meat and fish deals that come up. We can also use the 'seal' only feature to store pre-marinated meats etc. Can you tell I'm excited about it?

      I have a crock pot too, I'll be taking it out to make some dals as it's getting colder in London (it's always cold, but my internal temperature is telling me it's dal season now :D). Do you have any crockpot recipes you can recommend? 

      Agree, it's the habit part of the equation that is harder to change, plus for me personally it's having something that's quicker to eat than calling for a takeaway etc. We are doing a £10 a week lunch challenge at the moment, so October is doing okay lunch wise :) I just realised that I'm increasing my grocery spend (by purchasing more food to cook) but I'm still leaving £10 in my lunch budget to spend elsewhere....will need to rectify that!

      Thanks for your comments :)

      Reply Like 2
  • In October 2017, the day before payday, I had -£1599.45 in my current account.
    In October 2018, the day before payday, I'd made some progress and had -£946.22 in my current account.
    In February 2019, the day before payday, I had -£1128.55 in my current account (my debt increased again when I moved city).
    ~*~
    This month, October 2019, the day before payday, I had +£180.13 in my current account. Those £ had jobs and purpose, they weren't just... spare. But my account had a positive balance, and I am starting to earn interest rather than fees.

    Reply Like 5
  • MXMOM said:
    You get what you pay for.

     And that is why we've stayed with our more expensive insurer.  While I'm sure they'd drop us in a heartbeat if we ever made a major claim, dealing with our $$ insurer has been relatively low-maintenance for fender benders.

    Reply Like 1
    • Momofboysx3
    • I'm going to master budgeting, even if it kills me!
    • Steel_Blue_Mainframe.11
    • 3 wk ago
    • 4
    • Reported - view

    Small win..I have a couple of stray cats that have decided that my carport is now home. Of course I'm feeding them. Got the older one spayed, going to get the younger one spayed this week. We were going to get a cold front in and my first thought was "I need to buy them a house to stay in". Then I started looking around, decided that a laundry basket with a blanket in it and over it would be just fine. Both items were on my carport. Bam! about $50-$100 bucks not spent!

    Reply Like 4
  • I've decided I'd try and do home-repairs myself, as opposed to hiring contractors. So I started buying all of the tools I needed, only buying high quality stuff I can hopefully keep for life, despite the high initial cost.

    Two months in, I've purchased  for about 1100€ of tooling, screws, drills, etc. I've started renovating and painting the walls, replaced the worn out silicone of the bath to avoid leaks, fixed a badly wired light switch, added a mosquito net on aeration grids. My repairs take a long time to get done as I'm very far out of my comfort zone and they are not perfect but they feel good enough.

    I expect this tooling to be around for a long time and to have a very high ROI on the long term. Also, a nice side-effect is that I can work on some quality of life DIY projects without much extra cost since most tooling is already there: I'm repairing an old wooden box inherited from my grandfather who past away 2 years ago and a vintage coat hanger I bought used for a few euros which will hopefully look really good once it's on the wall.

    Reply Like 6
  • Been using Ibotta a lot more when I grocery shop and just cashed out $50 bucks!

    Also started Inboxdollars and am up to $40 in earning. They had an offer for ASPCA where if I donate $19 I get $25 back. And a few other offers that were completely free. Let me know if you wanna sign up...lol.....they have referral links. 

    Reply Like 1
  • Today I paid off one of my Credit Cards! 

    Reply Like 10
    • RecklessOptimism hurray!

      Reply Like 2
  • Yesterday went for a long walk with a friend and instead of having lunch out, we only had coffe + shared apple cake. And had a homemade sandwich later outside. Knowing the eating out budget only had 13,50 in it helped, I guess 😊

    Reply Like 4
    • Khaki Storm
    • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
    • Khaki_Storm.1
    • 2 wk ago
    • 3
    • Reported - view

    Picked up like 150 reader digests for free from a local posting. Main idea will be giving them to the nursing home library where my grandmother lives. Hopefully they bring back good memories.

    Reply Like 3
    • TechieM2
    • IT Professional and General Geek
    • techiem2
    • 2 wk ago
    • 1
    • Reported - view

    Setup my 2 primary credit cards and car loan for autopay!

    Reply Like 1
  • Went for brunch with a friend in an expensive part of the city. Ordered a meal that was less expensive & less calories. We both skipped the $3 coffee since we just had some. With tax & tip my bill was $15. Was thinking about my eating out budget before going and came out full and satisfied that I probably saved $10 by thinking before ordering! 

    Also browsed around Winners but wasn't temped to buy since I thought, "Does this item help me meet my priorities?" Nope, don't need another jacket or sweater. That's a win for me at Winners. Haha bad pun. Previously I would've bought so much, tried it on at home, returned what wasn't right. Never thinking about a clothing budget. Currently my clothing budget is non-existent since I'm on a sprint to get a month ahead and I have enough clothes. Shopping my wardrobe, cooking at home, and keeping myself motivated to switch the high I used to get from spending. Now it's a high for saving. :)

    Reply Like 4
  • Went to the most beautifull yarn store I know yesterday, but with a shopping list! Only bought wat I planned and payed with a giftcard as well. Even had some left on the giftcard and didn’t spend any money.

    Taking my son, who says things like “but you can’t start something new because you havent’t finished that other project yet, can you?” helps as well. I do knit different things at the same time and explain so to him, but it reminds me that 3 active ones is enough really.

    Reply Like 5
    • Powder Blue Pony From one yarn project enthusiast to another, I hope you'll share what you're working on once it's done! I think my biggest issue is when I get a new project I immediately think "Need to buy more yarn" and then "This one too, just in case" instead of "I'm pretty sure I already have that color". Great job sticking to a list!

      Reply Like 4
    • Faness could I? Share it here? Don’t want to bore anyone...😊. Though as you just proved to me: yarn enthousiasts are everywhere! I do use Ravelry for that as well, as breitijd.

      I recognise your “just in case” reaction! Oh, and yesterday they had a big sale basket outside! Yes, very proud of myself 😊

      Reply Like 1
    • Powder Blue Pony I will be taking a look at your Ravelry later 😉 Yes, you can share your projects in the forum! If you start a journal, we could even follow along with progress reports (or anything else you'd like to share!).

      Reply Like 2
      • sgard
      • sgard
      • 2 wk ago
      • 2
      • Reported - view

      Powder Blue Pony I absolutely have a line specifically for yarn, but I definitely have to keep a close eye on it when I'm at the store. So hard to say no to those beautiful skeins.

      Reply Like 2
    • TechieM2
    • IT Professional and General Geek
    • techiem2
    • 2 wk ago
    • 4
    • Reported - view

    I created and started funding my long term goal for some land and a house for a range/entertainment center/photo studio and setup the funds for it to go to my Vanguard account to get that building up as well.

    Reply Like 4
    • Vibrant
    • No more counting dollars, we'll be counting stars
    • vibrant
    • 2 wk ago
    • 3
    • Reported - view

    Frugal socializing this weekend! I re-wore a costume for a Halloween party on Saturday, and for an afternoon meetup at a restaurant on Sunday, I ate at home beforehand and drank water instead of buying a $$$ "signature cocktail" (there were like 15 of us there, I think our waitress made out okay without my contribution 😉).

    Reply Like 3
  • I’m going to visit my niece who had a baby a couple of weeks ago. Decided to take the train instead of driving. Wanted to grab a book for the trip and was going to get one at the Superstore but of course the one I wanted was not discounted. So I popped over to Walmart and they have this amazing deal (on some of the books). $12.99 per book but you can but 2 for $15. Ya baby. 

    Reply Like 1
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