Log in

No account? Create an account

Previous Entry | Next Entry

I am cranky about saving money.

Although, if I am strictly honest with myself, most of the time I am cranky about not saving it. Or rather, wanting to save, but ultimately being unable to discipline myself not to buy junk I don't need.

I was discussing this with cereselle, and she decided that this is a universal enough problem that a support community is in order. Please check out Cranky Savers. To use cereselle's own words, it's a support comm for people trying to change their spending habits. It's not just about how to stop spending money, it's about how to be okay with not spending money.

In addition to offering each other suggestions for what has worked to help us stay on budget, we can offer close-to-real-time support for those days when the desire to "numb out" to the crushing pain of modern life with a little retail therapy gets overwhelming. There are often alternate solutions that will be more constructive. For example, if you have the urge to drop a bunch of cash at Amazon, why not check www.bookmooch.com first?

I know many of you have long since learned the magic of managing your resources wisely, but for those of you how still have a way to go, you're in good company. Join us!


( 12 comments — Leave a comment )
Apr. 3rd, 2008 07:33 pm (UTC)
Apr. 4th, 2008 01:35 am (UTC)
I'm not sure if you are offering it, or requesting it :) Either way, I do hope you'll join the comm! I'm going to post some thoughts soon. We are building a good library of links. Your insights would be invaluable!

Also? We totally must do dinner! Really, really. And I can bring you some heirloom tomato plants.
Apr. 3rd, 2008 07:45 pm (UTC)
I joined, too. What a great idea! While I've made vast improvements to my financial outlook over the last couple of years, I still have a loooooooonnnnnnnggggggg way to go.
Apr. 4th, 2008 01:37 am (UTC)
Yay! So happy to have you, sweetie. I'd love it if you'd post the things that have helped you make progress. Personal experience is the key!
Apr. 3rd, 2008 08:17 pm (UTC)
wanting to save, but ultimately being unable to discipline myself not to buy junk I don't need.

I strongly resemble that remark. =) I just joined, thanks for pointing it out!
Apr. 4th, 2008 01:39 am (UTC)
Ooh, fantastic! So glad to hear it. If you feel like it, I'd love to hear your story about money, spending, etc. I figure, the more we share our experiences, the more sense we can make of the whole thing.
Apr. 3rd, 2008 08:36 pm (UTC)
a hot topic for sure! Our next circle workshop on 4/20 is along this line as well. Check out the group calendar if you have a chance. It would be great to see you (just cause!).
Apr. 4th, 2008 01:40 am (UTC)
I will do that. We'd love to see you, too. One of these days, I swear we'll come around again! Miss you.
Apr. 4th, 2008 04:52 pm (UTC)
an offer
one of the ways that i was able to help shannon out was setting up a tracking spreadsheet so she could see how her money was flowing out. it really helped her get a handle on her credit card payments.

i'd be more than happy to help people get their own spreadsheets set up, if anyone needed the assistance.
Apr. 5th, 2008 02:26 pm (UTC)
Re: an offer
This is a tremendously generous offer. I'd love to discuss it with you.
Apr. 5th, 2008 02:27 pm (UTC)
Re: an offer
drop me a line and we'll coordinate schedules.
May. 4th, 2008 04:19 am (UTC)
What a cool community to start. I hope it is helpful.

I thought about posting a "trick" that worked for me when I first moved out here, but you know how bad I am about getting on LJ. Well, feel free to share the following, if it sounds helpful.

Here's what helped me stick to a super (icky) tight budget:
I used cash to pay for most everything (besides bills) and decided that I could only pull out the cash once a week on Tuesday (or whatever day you pick).

I figured out the weekly amount by analyzing my bills and income. It was kinda a rough guess, considering some bills are more expensive in the winter and one only needs shampoo every so often, but I learned a lot about my spending habits through the trial and error.

I picked Tuesday because I needed to bring lunch to work every day to stick to my budget. So, I'd have the money if I forgot my lunch or something, but I also didn't want to spend the money during the week so I could have some to have fun on the weekend. The desire to have fun was a good incentive for me to avoid the little stuff during the week (snacks and stuff).

The first few weeks were rough, as I learned how much I spend and need, but then I got more and more creative to stick to my budget.

Thankfully, after a couple years and the raises that came with them, I am no longer on that icky tight budget, but I still have my weekly cash allowance that gives me a sense of how much I'm spending without having to spend much time thinking about it.
( 12 comments — Leave a comment )



Latest Month

February 2019
Powered by LiveJournal.com
Designed by Lilia Ahner