Frugal AF.

Super excited about my library 24/7. But this just made my day. This is just ONE check out, by the way! I would be interested in knowing my total savings for the year!

 

 

Every year I try and find last year’s resolution blog post, repost it and see if I actually did what I said I would do. Usually of the five I list, I get to at least three items, which isn’t bad! Seems I cannot find those old posts, so I will recap what I remember and look forward!

2019 may have been my least favorite year so far. While it wasn’t the worst I have ever had, it was not the most fun and there were some pretty stressful events that happened. Boo. What doesn’t kill us, makes us stronger. Right? Right.

So, for most of December, I have been psyching myself up for 2020 being a really good year. I’ve started to reflect on last year. I am a little disappointed because I did not read (or listen to) as many books as I usually do. I didn’t walk as much and didn’t photograph (document) life enough!

I recently sold my wedding photography equipment and bought myself a nice little camera for vlogging. I want to dip my toe in the world of video. I dabbled in it briefly for my Youtube channel, but found I didn’t enjoy being in front of the camera. I think I will try and film what I capture as stills. I would like to compare the way my eye works with stills versus filming. I am excited about that.

I also really want to write more this year. I’ve been saying for years that I want to publish a book. I have lots of notebooks with sloppy, handwritten stories but none are complete. I always try and envision what kind of book I want to write. Perhaps, instead, I should just write write write then examine the content to see what kind of book I can make. I feel like with my photography and writing, I would write some kind of inspirational book or journal. Maybe this year will be there year?

And finally, the dreaded financial goals. Unlike every Youtuber out there, I will not share my finance goals here, so use your imagination. I am a pretty frugal girl in general. I have my weaknesses – Starbucks, Michaels and books. But this year I will try and hold myself back! I stocked up on sales and have a few gift cards from Christmas. Hopefully that will get me through part of the year! I’ve made a promise to unsubscribe from retail emails and immediately throw away retail coupons in the mail. That way, I avoid any temptation to go to the store.

OK 2020, I am ready for you.

-IBG

 

Top Five Tuesday – Mindfulness

This is a repost from long ago.


Mindfulness

It seems like the word of the decade is MINDFULNESS. It is everywhere- books, Youtube, Yoga class etc. MINDFULNESS can apply to so many aspects in one’s life! This year I have been reflecting a lot on finances. I’ve set some pretty tough financial goals for myself so I have to be mindful of certain things in order to achieve the goals. Much like the rest of America, I have certain retail weaknesses – Starbucks, clothes, stationary or pretty much anything at Hobby Lobby. So in my Happy Planner I have inserted a little unofficial manifesto to remind myself to save money. Here are my top 5 –

  1. Reading, writing and learning are all FREE (and will enrich your life!)
  2. Rearrange or repurpose. Don’t buy new.
  3. Look around – you have so much already.
  4. You have everything you NEED (most consider WANT over NEED tisk tisk)
  5. Saving money feels better than buying something.

 

Saving Money

This is also from an older post on this blog. Trying to get inspired about saving money before the holiday madness begins!

If I have to read one more article about broke Millennials I might just lose my mind. We are not all broke, irresponsible consumers. I am not. Then again, I do make one too many visits to Michael’s & Hobby Lobby. BUT nothing says I have to buy anything when I go in. This has prompted me to make a list of ways I save money.

This may be good news or bad news, but your foundation pretty much shapes most of your spending habits as an adult. Luckily I had those parents who didn’t like to spend money. If any of the following ring a bell with you, then you have parents just like mine:We can’t have that this week, it isn’t on sale.I can sew the same kind of shirt at home for less, and besides, it will be out of style soon anyway.

The generic brand tastes the same.

Do you WANT that or do you NEED that?

They all ring true but the last one especially I think is what is wrong with those “broke Millennials.” Do you really need a home delivery service with pre-prepped meals or do are you just too  lazy to make a shopping list? Really, though. I am embarrassed for anyone who does that. “I am so busy.” If you spent less time on Facebook you would realize you have the time to drive to the market for food.

I visit retail stores a lot but I don’t spend a lot of money there. Know why? I am a thief. Whoah hold on –  I am not a real criminal! I am stealing inspiration for ideas. Between my husband and I we can build, sand, paint, and deconstruct/reconstruct almost anything. Why should I pay $50 for a trendy wood sign at the store when I can make it at home cheaper? Not to mention, if I make it here, it is unique because, well it is mine and it is one of a kind. Before I buy I ask myself can I make this at home with the tools I already have at a better price. Now I also consider time in this equation. If a project will take me hours upon hours then forget it, I will just buy it (with a coupon or on sale of course).

What the….? In case you were wondering, that stands for
Use it up, wear it out, make do or do without.
What’s that mean, really? Use up what you have until you absolutely have none left. Once it is gone, can you use something else you already have in its place? Otherwise, can you make do without it at all? I admit, there are times when I haven’t finished last season’s body wash and I am ready to dash to the store for this season’s scent. But alas, I will finish what I have! *SIGH*

    Do I need to explain this? We spend $50-80 a week on groceries for breakfast, lunch and dinners. As a couple, if we had lunch out everyday (say, $20 per visit) we would spend $100.00 a week just on lunch. That is twice as much as I spent on the ingredients to make everything from scratch. I cringe at the thought.

The struggle is SO real for me. That is not a cliche. That foamy hot cocoa from Starbucks is heavenly. Not to mention the cake pops and the bacon gouda sandwiches are delightful and addictive. People – STARBUCKS IS EXPENSIVE. I love the
staff, the mobile order-ahead app and the atmosphere but a hot cocoa and bacon gouda sandwich cost $7.49. That breakfast sandwich is good but it is tiny and doesn’t last long enough for the price they charge.