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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    • Hannah
    • Stay at home parent
    • flamingo_25
    • 1 yr ago
    • 8
    • Reported - view

    Went to Target and purchased only what was on my list. 

    Like 8
      • Kate
      • Joyful Technical Writer 馃尨
      • sweet_sunshine
      • 1 yr ago
      • 4
      • Reported - view

      Hannah I aspire to be you one day.

      Like 4
      • Hannah
      • Stay at home parent
      • flamingo_25
      • 1 yr ago
      • 2
      • Reported - view

      Kate Hahaha well thanks. The grumpy toddler in tow definitely made me want to get my stuff and leave asap. 

      Like 2
  • Took part in 3 100% cash backdeals at the supermarket. Just a couple of 鈧 back into the budget, but even small bits help!

    Like 1
  • Also, the other week I had my iPhone battery replaced instead if buying a new iPhone. 鈧50 spent, about 鈧900 saved I think :-) 

    Like 3
  • I downgraded my Comcast internet from 1Gbps to 150Mbps so still pretty good but now saving $33 per month!

    Like 1
  • Raked and mowed the yard myself instead of paying someone. Although I'm paying someone to paint the bathrooms because I'm just too messy with paint.

    Like 2
  • Bought part of a birthday gift for my partner using a gift card. Kept spending on another gift for a friend in check (while still getting her something that I know she will love) and re-gifted something (new) I already had to another friend for her birthday. I want to be generous but looking at the pattern of my spending over the past few months I can see that my 'gifts' category is one that is regularly over budget. Sometimes I have failed to anticipate the expense but sometimes I have simply been disorganised and over-spent because I have bought something generic and expensive last minute. So have not only kept the spending under control but have also managed a bit of a mind shift towards intentional spending - so that's a win :-)

    Like 3
  • I'm mega new (I'm still on the free trial) but I already feel like I have a better sense of where my money is and how to feel prepared. I've already had some weird one-off expenses like a domain name renewal, renter's insurance, and a rec center yearly renewal but now I feel positive that I can pay for them in cash instead of having to do the credit card float. Everything already feels like less of a scramble and I'm only about two weeks in! I had to do a double take when I did my budget for the coming week and realized I ALREADY had cash for my internet bill.

    Like 3
  • I returned a purse that I had bought to replace the one that I have that is seriously falling apart (but I love it!). The new one was perfectly fine and I thought that I liked it, but it sat in the store bag for almost 3 months bc I kept coming up with excuses why I didn't want to switch my things over right then. Since it had been so long, I wasn't sure if I could even return it but I decided to try and they took it back with no problem! :)

    Like 1
      • Alia Gee
      • Let me explain... No, there is too much. Let me sum up.
      • Pink_Keyboard
      • 1 yr ago
      • Reported - view

      Violet Drill fwiw, I have repaired my purse twice. You don't have to replace, if you can renew! :)

      Like
  • Only a week out from completing my first no shopping month ever. Also my first ynab month! I got the ynab book from the library on kindle so I can read it for free and have been listening to the podcast for motivation, as well as checking in with my budget daily and logging spending on my phone.

    Like 4
  • This is my first month doing YNAB, and the first month in several years where I haven't gotten a single text from my bank telling me I'm overdrawn or heading that way.

    Like 8
  • Assessed my subscriptions (self care, education), which I feel like I underuse. Kept one, as I love the cause and want to use it more; cancelled one that wasn't a good fit for me and was set up to auto renew in January; one month left on another subscription, which will renew at a full-price rate rather than the promotional one I signed up with so I really need to consider whether it is worth it and have been looking into free alternatives. Calling this awareness of where my money is going  a win. 

    Like 5
    • MacGsMom
    • Editor. Artist. Book fiend.
    • bookgirl1010
    • 1 yr ago
    • 5
    • Reported - view

    I just opted to buy two instead of six of something. Something I need/use but can't buy locally anymore. Site was having a 50% off sale but as I looked in my shopping cart, I realized this is a weakness of mine - buying things like this in bulk (and then justifying it as potential gifts...). So I dialed it back to two (one small, one large). Nothing wrong with buying in bulk from time to time, but I realized I want to do so with intention not just at the whim of some website that sucks me in with a deal. Small win. 

    Like 5
  • I discovered Aldi for the first time and oh my god my life has changed. 

    Like 3
  • Starting to notice that I am being a little less YNAB-obsessed, not out of not following the method anymore, but because it feels like I finally have my categories in some order and that my spending pace and earning pace are starting to feel more in sync. 

    Like 4
    • Kate
    • Joyful Technical Writer 馃尨
    • sweet_sunshine
    • 1 yr ago
    • 5
    • Reported - view

    I've officially made over $100 from babysitting this week and all that money is going towards credit card debt! 馃帀

    Like 5
  • Finally received a long-awaited work reimbursement. I had taken note of where I had 'borrowed' from my savings to cover the amounts in YNAB and was able to plough the money back where it came from (even though the purchases had taken place over a few months). Result: money diverted back into my savings rather than regarded (as there is always a danger to do with big sums that just arrive in your account) as a bonus. Healthy savings categories, happy me :-)

    Like 5
    • MacGsMom
    • Editor. Artist. Book fiend.
    • bookgirl1010
    • 1 yr ago
    • 5
    • Reported - view

    I inadvertently let a domain renew via PayPal. Ouch, $31. Got on chat with them tonight and they're reversing it. Win! I'm also reviewing everything I had set to auto renew to make sure this doesn't happen again. I also ditched a subscription I'm behind on reading. That's $60/year. 

    Like 5
      • JoeDid
      • Remember: It is To Laugh
      • Purple_rain
      • 1 yr ago
      • 2
      • Reported - view

      Dianne Thank you for posting this. Your almost-afterthought of canceling a reading subscription got me thinking. I looked at my own and realized there are (were, now) three that I hardly ever read any more and certainly don't need. $129 saved over the year. Yay and thanks again!

      Like 2
    • QC
    • HaplessFinanceProfessional
    • Queenofcoin
    • 1 yr ago
    • 2
    • Reported - view

    I joined an Affiliate Shopping program that rewards with cash back.  I'm not a big shopper so am confident I won't spend just for the sake of earning cash back.  Doing my regular shopping this month through the program has earned $60 this month.  It's a passive minor income source as opposed to a perpetual discount/s.

    Like 2
  • I made a step to improve my attitude today.  My husband is a work-a-holic and hasn't made time to vacation with the family for the past two years.  Our twins are in Grade 12 this year and I really want to go on an Epic Adventure with them next summer.  I was reading this week's blog about another YNAB'ers Epic Adventure with his kids to Portugal and I realized that I don't need to wait around for hubby to get his act together, I can save up and enjoy a trip with the kids.  I switched the "Renovation Account" to "Epic Adventure" and I'll start sending money over every paycheque!  This makes me so happy! 

    Like 4
  • Today I knew I needed to check my budget and cover/adjust/roll with the punches for overspending. Instead of hiding my head and avoiding in shame, refusing to check my bank account and pretending like nothing was happening, I logged on to YNAB. I imported all my transactions, categorized, and reconciled my account balance. Then, instead of panicking when I saw the red categories, I took a breath. "I can figure this out," I told myself. I remembered on of the training videos: what does my money need to do before my next paycheck? There, I saw that my monthly category for my car payment, which had $230 in it, did not need to be paid this month. Because of YNAB, I was one month ahead and my next payment wasn't due until 12/28. I was able to move that money around and set aside money for the following month without worry. 

     

    This is my first Christmas with YNAB. I set aside money and saved for it for the past 6 months, but when the time actually came to buy presents I went over what I planned for. Doesn't have to be a shame spiral when you have a place to start and a method for finding solutions. I still feel that icky, "things didn't go as planned" feeling, but in my mind I keep repeating to myself this is a learning experience and to roll with the punches. 

    Like 3
  • Budgeted for two yearly subscriptions that will be coming up soon! My Chase preferred annual fee of $95 and I actually cancelled my amazon prime account that renews at the beginning of the year. Please respond with any yearly subscriptions you have that I/others might be forgetting are coming up!!

    Like 1
    • Target Date here's my list:

      YNAB (like, duh)

      Headspace (not sure I would ever sleep again without this one)

      AAA

      Credit Card Annual Fee

      Costco Membership

      Local advocacy group membership dues (would more commonly go under giving but I think of it more like a subscription for some reason)

      Magazines (my partner subscribes to two industry magazines that technically should fall under his business budget but came out of our personal one this year instead)

      PBS (annual membership dues get us access to special content we really enjoy so we put that one under entertainment instead of giving)

      I actually had one more that autorenewed recently and destroyed my budget, but because I caught it immediately I was able to cancel and get a refund. I'm also concerned I'm missing something, but I keep adding to it and like knowing that after a full year I'll have a complete list!

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

      Target Date Sirius!  This one's on my mind because I got a new car this year.  I took the extra 6 months for $36, but I'm not planning to renew at the full year cost since I only drive about 20 min to work every day, so it's not worth the full price for about 40 min a day.  My music collection is large.

      As for other yearly stuff:

      Car Insurance

      Domain Registrations

      Mail services (UPS Store Box)

      Software Subscriptions (YNAB/Undebt.it)

      PSN+

      Amazon Prime

      Taxes (I'm trying to budget enough to cover my out of pocket taxes so those don't catch me by surprise)

      Like
  • Today I inventoried my clothing. Increasingly, I've been feeling like I "don't have anything to wear," which is CLEARLY not the case when my closet happens to hold over 70 individual garments. I'm not a huge shopper, and shop almost exclusively at thrift stores except when it comes to my outdoor gear (financial weak spot!) But I'm pretty impulsive with my thrift store shopping. Plus, I purge my closet a couple times a year, so I probably end up sending back to the thrift stores about a third of the stuff I bought the previous year! It's not a ton of money, but it adds up.

    My inventory identified a few areas where I have a glut of items I don't really wear that often. I'm cleaning these items out, but unlike past purges I'm taking note of the things I get rid of, so I don't just buy slightly different versions of them next time I'm at the thrift store.

    I'm also trying to identify what I really like about the clothes I wear very frequently and have had forever, and identify key items that are missing, so I can focus on trying to find good deals on things I actually "need" and will enjoy wearing for years.

    So, basically I now have a "buy" and "do not buy" list. I'm hoping that this will cut down on frivolous purchases, however cheap they might be, and keep my wardrobe more focused and enjoyable to wear.

    Like 3
      • lindsay_g
      • Beige_Banjo.3
      • 1 yr ago
      • Reported - view

      Kombucha Kid I've taken a long hard look at the stiletto shoes that I continue to sometimes buy, because they are so beautiful, but can no longer wear due to an old 'snowboarder's ankle' injury. I decided I have enough shoes that are just for looking at and don't need any more. 馃槈

       

      I have also been ruthlessly purging subscriptions I don't use, and for those I decided to keep, I added the renewal dates to the YNAB budget page in plain view, so I can think again in time to cancel them next year. Amazon Prime is hanging by a thread, I have until February to make my mind up!!

      Like
    • lindsay_g feel you on the shoes. I too have had to mostly eliminate heels from my wardrobe. I just have to be honest with myself that no matter how lovely they look, I just won't wear them!

      Like
    • Kombucha Kid About two years ago I started following a modified version of a capsule wardrobe plan (Courtney Carver鈥檚 Project 333-I allow myself not to include bags, shoes and accessories as I don鈥檛 have too many of them). Found it very useful for developing a consistent way of dressing (style might be too strong a word!) and helping me to shop constructively to buy things I really need to fill out the wardrobe and replace essentials. It鈥檚 been so liberating and constructing the contents of the changing closet every few months is like shopping...but even better as I already own everything I鈥檓 choosing from! 

      Like 1
      • Kombucha Kid
      • Slate_Gray_Router.1
      • 1 yr ago
      • 1
      • Reported - view

      Orchid Yeti I almost included something about how "capsule" wardrobes confound and confuse me in my original wardrobe. If you live in a place with seasons, and if you have a varied lifestyle it's very hard to pare down your wardrobe to a treasured few pieces. But I like the approach of having a different wardrobe every 3 months, and excluding work out clothes (recreation clothes in my case.) This is the first capsule wardrobe approach  that makes any  amount of sense to me. I'm going to give this a shot, aiming to implement Jan 1 when my new job starts!

      (Also, I like how she says that "workout clothes need to workout." I hike, ski or bike almost every day so I tend to walk around in lots of wool base layers, spandex and fleece. Frankly these admittedly expensive articles of clothing would last longer if I truly reserved them for their intended purposes!) 

      Like 1
    • Kombucha Kid Do it! I exclude my workout gear (and I also exclude things I know I will wear very occasionally - e.g. something smart for a work event, a dress for a party - because I know that I rarely need to be that formal). It really forces you to hone in on what you feel most comfortable in and what is most practical for the life you actually lead. So, if you tend to wear workout gear as your go-to uniform for hanging out with friends then listen to that and integrate nice athleisure wear items into your capsule. It doesn't all have to be about the perfect white shirt and black blazer! 

      Like
      • lindsay_g
      • Beige_Banjo.3
      • 1 yr ago
      • 1
      • Reported - view

      Orchid Yeti the 333 thing looks really interesting. I am going to get into this and see if it helps me purge a bit too. I like the rotation idea especially. Thanks!

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

    I went to the auction with dad and didn't buy anything.

    This evening I reviewed my supply of vitamins and such and adjusted my Amazon Subscribe and Save settings appropriately - changed the frequency on an item and adjusted the next delivery date on a couple more to account for my backlog of those items.

    I also submitted my extra student loan payment tonight since my paycheck hit the bank.

    Like 1
  • Despite FOMO and a sense that I *should* be in town buying bargains I resisted 98% of Black Friday adverts that hit me everywhere I went and only replaced a pair of slippers which I was going to have to buy over the next few weeks anyway. Tough day-it really normalizes that easeful spending from the desk with the pressure of the limited availability of the offer. But I survived!

    Like 3
  • I started using YNAB!

    Like 8
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