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When you need to save money, what is the first thing you cut?
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It’s good to borrow a book from the library every now and then, but try not to overdue it.
ReplyDeletehookers.
ReplyDeleteEating and drinking out.
ReplyDeletea fart.
ReplyDeleteDrinking in Bars.
ReplyDeleteCable, but I cut that years ago. Movies in the theater is second.
ReplyDeleteProbably clothes shopping - admitted outfit repeater!
ReplyDeleteWine. Easier to get a bottle of gin and live off that for a few weeks - I'm a light drinker - than open a bottle and have it gone in an evening or two.
ReplyDeleteYou have to cut the cocaine with Fentanyl to get the most for your dollar.
ReplyDeleteCable. And then Starbucks.
ReplyDelete@Nutty I switch to boxes lol I like the flavor of a lot of Bota Boxes and they last a lot longer :)
ReplyDeleteI cut up my wife's credit cards, and she ends up wearing the same ugly Tory Burch dress and grandma Theory cardigan to two different public events in the same year. Joanne looks ugly and frumpy as sin both times.
ReplyDeleteMy question for you is, did I do it's because I'm $2 million in the hole from trying to build her her dream apartment, or is it because I hate her guts, want to divorce her, and don't want her spending my money?
ReplyDeletelol @ sucker Sam.
ReplyDeleteJaad
ReplyDelete😂😂
DeleteI hate canceling my jaads
DeleteVacations.
ReplyDeleteManicures
ReplyDeleteBack in the day, pregaming. Bar, club, concert, stadium, etc prices are extortion.
ReplyDeleteshopping and coffee. Amazon gets cut off, promptly.
ReplyDeleteWhen the recession hit my personally I met with near financial ruin, and it took over 3 years post 2011 to get back on my feet. I have some tricks now, and am obsessive about saving. One of the things I have done is to quantify all my "discretionary" spending for the past 12 months- including things like gas, groceries, phone bill cable and gifts for others. I calculated the monthly sum of these things for 12 month period in 2012, then averaged it and moved that average sum into a separate bank account from my main bank account. I destroyed the atm card for my main bank account, and only spend from the discretionary account- unless an emergency or medical issue comes up.
This has caused me, without barely any real "pain" or deprivation, to save 18-20% of my take home income each year. I had been shooting for 10%, but amazingly always exceed that, without even trying. It's all about adjusting your access and accommodating with the "discretionary account. and if I hit 20% before year end, I let myself go nuts at christmas or buy myself a special gift with the overage.
It's also made me a super bargain shopper. Last year when I hit my overage I bought $900 DVF boots, at deep discount for $100 (thank you OFF 5TH). I felt like a QUEEN!
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ReplyDeleteThe red wire to the alarm box.....Oh. Save money. Thought you meant get money. My bad.
ReplyDelete@La-Juice that's a great idea! I've been thinking of switching to another bank but putting it off since it's such hassle but maybe I'll just open a new account and keep both + savings for that purpose :)
ReplyDeleteroad trips...
ReplyDeleteEating out goes first. And it makes me very, very sad.
ReplyDeleteI stopped going to Goodwill. Yeah, yeah, I know, but $80/month? Too much. I was going every day after gym and getting things to resell. Tired of that. Even though it was lucrative. I have at least 22 sub accounts at the credit union, and save for absolutely everything. What's left over, I spend. Trader Joe's has very good, low cost French wine. Not going to skimp on that.
ReplyDeleteCable TV
ReplyDeleteBeauty treatments. and god knows it shows.
ReplyDeleteGoing out.
ReplyDelete