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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    • QC
    • HaplessFinanceProfessional
    • Queenofcoin
    • 1 yr ago
    • 6
    • Reported - view

    I FINALLY ended my gym membership!  It's been on my To Do for months and I finally did it.  I don't go and probably haven't for a year. Facepalm for wasted money but High 5 for just doing it.

    Reply Like 6
      • MacGsMom
      • Editor. Artist. Book fiend.
      • bookgirl1010
      • 1 yr ago
      • 1
      • Reported - view

      QC  Good job. My contract is up next month so I plan to switch to a $10/month gym. My friend belongs and I know we'll at least use the treadmills in the winter months (otherwise we walk regularly). 

      Reply Like 1
      • QC
      • HaplessFinanceProfessional
      • Queenofcoin
      • 1 yr ago
      • 1
      • Reported - view

      Dianne $10 a month is a great deal!  I have a treadmill at home which is great, I use it every morning. I’m going to miss the sauna and classes at my old gym but realistically I just wasn’t utilising them. I think when I signed up (pre-YNAB) I was thinking ‘If I’m paying for it, I’ll use it.’  Probably not uncommon but took me a few years to discover the truth!

      Reply Like 1
      • Pikayo
      • Pikayo
      • 1 yr ago
      • 1
      • Reported - view

      QC  Definitely a high five!  It can be hard to look at things like this in order to cut them out so good for you for doing that.

      Reply Like 1
  • Paid off my student loan. I only had about $2,500 left and I thought, instead of waiting another 15 months to be debt-free, why not be debt-free now? I had plenty of cash to pay it off with. Was only a 2.625% interest rate, but still that's better interest than I'll get from the bank. (Best I can get from my credit union is 2%.) So, for the first time in 17 years I'm totally debt-free! (There's a balance on my credit card, but I pay it off in full each month, so that doesn't count.) And that's $157 I don't have to pay every month. Wasn't getting an interest deduction anymore anyway.

    Reply Like 9
      • TechieM2
      • IT Professional and General Geek
      • techiem2
      • 1 yr ago
      • Reported - view

      Lyle Kopnicky Congrats!  I'm currently on track to finish mine off next October, but hopefully it will be a bit sooner.

      Reply Like
    • Lyle Kopnicky So many congrats!! I hope to be there at some point!

      Reply Like
  • Paid off the last of our debt! :D

    Reply Like 8
      • Pikayo
      • Pikayo
      • 1 yr ago
      • 1
      • Reported - view

      Lianne Blake  Wow!  Congratulations!

      Reply Like 1
  • Borrowed a sewing machine.  Watch this space...

    Reply Like 3
  • Was feeling a bit down as November was a spendy month - payments on classes/subscriptions that will take me through the first half of 2019, tickets for holidays that are still a while away, some off the cuff emotional spending - but looking at my YNAB reports has made me feel a bit better. I finally have 6 months of reports to nerd over and can see that although this month has been expensive my average spending in the different categories is not that far from where it should be (in my mind) and what I had budgeted for. Very very grateful for the financial education that YNAB is giving me.

    Reply Like 2
  • switched to a slightly less expensive data plan and signed up for autopay. $20/month saved on cell phone bill

    Reply Like 2
    • veggiegeek What provider did you move to? I moved to Ting and saved a whole lot!

      Reply Like
      • veggiegeek
      • veggiegeek
      • 11 mths ago
      • Reported - view

      Magenta Mermaid I stayed with AT&T, just a lower plan and autopay which saves me $20/month. 

      Reply Like
  • Resisted the urge to replace our "almost good enough" Christmas tree.  Bought another cheap set of lights to throw on it and everyone think it looks great.  

    Reply Like 5
    • Frugalflamesfan I'm resisting that urge this week! The middle of our pre-lit tree is out... but I'll look into adding a strand of lights! Thanks for the tip. 😉

      Reply Like
    • Nicole at YNAB You're the only one who will notice!

      Reply Like
      • lindsay_g
      • Beige_Banjo.3
      • 11 mths ago
      • 1
      • Reported - view

      Frugalflamesfan Everything looks better with more fairy lights :)

      Reply Like 1
    • QC
    • HaplessFinanceProfessional
    • Queenofcoin
    • 11 mths ago
    • 4
    • Reported - view

    Today I rang the bank and closed my credit card account. 

    Thanks to YNAB I've not only paid the credit card off,  I'm budgeting for expected expenses AND I also have funds aside for Emergencies.  I was motivated to act quickly because my annual fee is coming up and while I briefly considered asking for a discount on the fee decided I really just don't need it anymore.

    Nice feeling of closing the account in my YNAB accounts list too!

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

    I bit the bullet and canceled Amazon Prime. 😱 And I didn't renew my Sirius XM subscription back in September, and I've said "not interested" the last two times they've called with their "special renewal offer" (I actually AM interested and will be re-enrolling after the first of the year, but I'll be holding out for the $60/12 months rate).

    Reply Like 2
    • Vibrant I cancelled my amazon prime when I went all in on ynab, and it turns out I still get items super quickly! I told myself that if I hated it I could always resubscribe, but a few months in haven't been missing it at all. Although I am missing watching the new Marvelous Mrs. Maisel (I guess I can always get prime for 1 month and binge watch if I run out of other programming!)

      Reply Like 1
  • I cancelled a monthly membership today where I had to physically go there, fill out paperwork, give notice, etc. But, it is complete, I have a copy for my records, and now I won't have that monthly charge ANY LONGER! Woo!!

    Reply Like 1
      • lindsay_g
      • Beige_Banjo.3
      • 11 mths ago
      • Reported - view

      Jess Aquamarine That is an especially great win because they make it hard for you to cancel - so that you won't. jesse did a couple of Whiteboard Wednesdays and podcasts about how credit card companies and banks try to make spending friction-free but not spending harder. 

       

      You beat them at their own game, you are winning double! :)

      Reply Like
    • lindsay_g I got the confirmation of cancellation today via email! Happy that this seems to be moving forward.

      Reply Like 2
  • While it is stressing me THE HELL OUT I went through my health insurance documents and checked carefully to make sure that I was happy with my level of cover. This involved logging into their website, combing past bills to project costs of consultations etc, and (the horror) an actual phone call. I probably won't change anything after all that, but I am pleased that I am at least informed about what my money will get me! I have been getting so stressed out by all the advertisements to compare policies etc. that come out at this time of the year but I am at least proud for not adopting my usual hide-until-it's-January-and-you-can-no-longer-change-anything mentality.

    Reply Like 3
      • VickiS
      • VickiS
      • 11 mths ago
      • Reported - view

      Orchid Yeti OMG.  We just went through the same agony.  Tense times here at the ol' homestead.  Also ended up with the exact same plan, but at least we feel we made a choice....

      Reply Like
  • After 25 year of Nursing, I finally got fitted for orthotics.  Our health insurance lists $400 coverage so I followed their submission steps to a T and sent it in.  Denied.  What?! Fortunately, I walk the dog with a podiatrist who told me that insurance companies regularly deny orthotics on the first submission, probably believing that people won't try again.  So, I resubmitted and sent a detailed email of what steps I had completed and... $400 in my account yesterday!  A couple of years ago I probably didn't pay close enough attention to even know I had been denied.  YNAB win.

    Reply Like 3
    • Frugalflamesfan Great job! Mine were denied (years ago) and I didn't know about this, so paid for it. I will say they made a huge difference in my feet and I have had them 'reconditioned' instead of replaced since then, so at least my cost per wear has been reasonable.

      Reply Like 1
  • My health insurance just told me that I’m eligible for reimbursements since I’ve been going to the gym!

     

    Hello $150 🤤

    Reply Like 5
  • Opened an index tracker for my future. I was budgeted through to the end of February so I zeroed out most of those numbers and used the lump sum. Impossible without the foreknowledge YNAB gives me. :)

    Reply Like 2
  • I bypassed the semi annual Bath & Body Works sale😬

    Reply Like 10
  • I went to the fancy grocery store for one hard-to-find ingredient and only got two things that were unplanned, instead of buying all of everything. I know it's just fancy lighting and presentation tricks, but I swear their produce is made of magic...

    Reply Like 2
  • By following YNAB's priorities and goals, it was a real struggle each month, but the final goal of paying CASH for the following 2018 expenses was FABULOUS ... cash for Federal Taxes, Property Taxes, Interior Painting, C hristmas and December Surgery.

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

    I'm doing my yearly PTO cash out at work shortly, which will largely be put toward my student loan (still on goal to finishing that off this year!).

    In planning the rest of it, I ordered some wardrobe items I really need while they are on sale to make the funds go farther and leave me more left over for fun and for getting ahead in my budget.

    Reply Like 2
  • Added myself to the 2019 Savings Challenge and ate leftovers today... hoping the Debt Smackdown challenge gets added to the forum today too :-)

    Reply Like 3
  • I joined the 34 day challenge. Whatever I missed as I learned ynab over the last few months... I'm going to find it out this month! :)

    Reply Like 4
  • Just started YNAB a few days ago. This January we are reigning in all spends and going on a saving ‘sprint’. Got grocery shopping down to £56 from usual £80-90 so very pleased with that! Also roasted a chicken tonight, ate chicken breast for dinner with mash, veg and gravy, made a soup for tomorrow, saved the legs for the next day to have with rice AND bagged two portions of cooked chicken for the freezer for last minute fried rice or noodle dishes for when I’m short of time and tempted to buy a takeaway. That is 5 meals for a family of 3- my Nan would be proud! The extra money we save on groceries this month is going toward savings for later expenses. 

    Also last night I updated all my Amazon subscribe and save orders to make sure we had all the essentials at 15% off delivered when we need them. A particular bargain was Andrex roll at less than £2.50 a pack which is usually £7 in the shops (£4.50 when on offer).  So excited to continue this year the way it’s started, get our debts paid and get ready to move next year when we are in a better financial position. 

    Reply Like 3
  • Signed up for YNAB :-)

    Reply Like 9
  • Today I cancelled a credit card that I haven't used in over 4 months. It was due for renewal next month with an $85 annual fee attached to it - no thank you, I'll be keeping my $85!

    I also finally listed my tiny house - the sale of which would greatly improve our finances. It has felt like a dead weight around my neck ever since I moved into my partner's house, but selling something that once represented my independence from all things domestic and mortgage related is kind of bittersweet. Oh well, here's to hoping someone actually wants the darn thing!

    Reply Like 5
  • Went on a mini-break this week and only spent $20 over the amount I had budgeted in my holiday category.  Tracking the expenses and checking in with my partner (who was covering some things) as I was going along really helped. I'm particularly pleased that I didn't buy little things like souvenirs, books about the place, little food and drink things to take home - I previously would have done that as a way of 'preserving the moment' but actually was able to just be present and know that I didn't need stuff to remind me of that. The money spent over was for convenience - a taxi to the airport instead of getting a train/bus. Well worth it for the extra time it allowed to soak up the holiday relaxation :-)

    Reply Like 5
  • Used SecondSpin website to sell some dvd/cd's. Getting 18.25 and if you use usps media mail to ship they will reimburse you some of the shipping (based on number of items shipping).  Snowflakes! 

    Reply Like 2
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