When you need to cut your expenses, what do you do?
Basically, I'm trying to spend less on random shit so I have more to put towards some specific things. And be more mindful and deliberate about how I spend.
We make enough to cover our monthly expenses. But we have some large extra expenses lately, and what I want to do is allocate more of our monthly money rather than our savings towards them.
Because as it is, after putting towards retirement, we spend what we make. This is OK, in that we're both very responsible, and neither of us has ever outspent what we've earned.
But I know it's possible for us to take out of one pocket to put into the other, which is my goal here.
I know that we buy things we don't need, and spend money in unnecessary ways.
There are some things that aren't needs that aren't negotiable, so I'm considering them needs. Like, I can happily eat a peanut butter sandwich for lunch every day - and pretty much do - but Nick would be really unhappy if he did that, and so for him, buying lunch every office day is a need. Even though technically it's not a need.
I was reading about money-saving strategies, and this was one of them: take yourself off email lists from stores. Then you're not confronted daily and weekly with ooh, new shoes! and 20% off today only! kinds of things.
And I, as you know, I am one to click! And feel like I MUST HAVE whatever it is! Because look, free shipping!
I've been unsubscribing from email lists like a fiend. I said buh-bye, Old Navy. Buh-bye, Gap. And Ann Taylor. And Nine West. And Children's Place. And and and and and.
Now that I've started, I realize how many of these emails I get. It's kind of astounding. They're nearly all clothing or shoes, for Jordan or for me. And I can always justify a purchase for Jordan. And shoes. I'm really good at justifying shoes.
Hell, I'm really good at justifying whatever I reallyreally want.
So I am trying to limit what I buy to things we need. Or a must-have kind of thing. Not a "must have because it's 30% off"or "ohh, but it's orange!" No.
I just started this yesterday. And not being math-y or spreadsheet-y, it's not my strength. I've always stayed within my limit, but I've never tried to be particularly deliberate in allocations.
I'm kind of curious to see how this goes.