shopping ban – items

Enough is enough.

Today I was re-potting a new plant I bought yesterday, and when I went thru my planting items I have seen how many planters (both plastic and porcelain) and plates to go underneath the pots I have had.

Way too many….

How am I going to use all of these?

I possibly will not.

Also, how many plants do I have?

50?

Sigh….Many of them succulents and in individual pots. I must be combining them together. Does that mean I need to buy new pots????

I am overwhelmed really……….

Time for a serious decluttering activity and a shopping ban list:

Shopping ban items:

  • plants
  • planters/pots/plates
  • soil/perlite

Decluttering:

will take some time, but here is the usual idea:

  • dump everything that do not work or is worn out
  • donate everything that I do not use (yes, these include the porcelain plates that I no longer use; small plastic pots that I have bought with great excitement but never used; the plates that I purchased for planters but never used; clothes that I no longer wear; any other kitchen/house item that I do not use)

Time to open space and save some money at the same time.

 

 

 

shopping ban week

Gotta curb this spending habit I have been having lately (mostly cab and junk food expenses… yes, again… time to fix this).

What is the plan?

Well – I budget only $60 to consume till the next pay-day (12 days), including grocery and others. Should I walk in the morning and save the bus fare, this amount may as well increase a little bit. Then I can go buy some more pots from thrift store for my plants.

My choice now 🙂

I have everything I need; my fridge and pantry is full of food; and I have no urgent needs (except the physiotherapy and dental fees that I expect this week).

Let’s do it!

Saturday morning musings

It is another quiet and peaceful Saturday morning filled with the great scent of freshly brewed coffee and the excitement of all the possibilities that the day may bring.

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It is rainy outside, which tells me that being outdoors today is not a practical option. It will be a day of home-entertainment I guess, including the dreaded house chores 🙂

I am doing something out of ordinary and have the TV on. It has been sometime that I watched TV. Once upon a time TV was very important for me. So was reading books. Things change I guess. In the last 1-2 years, I switched to writing and reading blogs than doing these activities.

The following certainly does not apply to me 🙂

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I think three things influenced this change:

1) My lower back problem that makes sitting in the couch uncomfortable, so I rather prefer to sit or lie down on bed in the evenings. This means I am away from the living room and hence the TV.

2) Shopping bans on books that started as a short term ban, which later is extended naturally. I used to buy 2-3 books every weekend, which was a great pleasure that I always looked forward to. Two years ago I started my budgeting and frugal life journey, which told me that what I was doing was not a great idea, also considering that I have had many books that I have not read yet. The massive decluttering followed the shopping ban showed me this very clearly.

3) The fact that I am resentful towards the cable provider. I have a package involving phone, internet and cable. While I was able to reduce my bill by negotiating with the company, I must say I am pissed that all of these services cost so much. In addition, I cannot cancel my cable because it is a package, and if I do remove it, phone and internet together would cost me more!! Which kind of a mentality is this? I feel like my cable service is a waste and I do not feel great about it.

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But I would like to encourage everyone to call and negotiate with their service providers; I was able to reduce my internet-phone-cable service and another important service in the last one year. For two years in a row I also get my credit card fee to be waived. I will change my credit card sometime to get rid of this fee altogether. Hoping to get a cash-back one because honestly cards with loyalty points are not great; it takes a long time to accumulate the points and when you collected sufficient points, then the service or item you look for may not be easy to get or available. I was lucky enough to get 3-4 plane tickets and a number of great items through the loyalty points so far, but I keep asking myself whether it is worth it. 

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Anyways, back to best of life – I hope everyone will have a great Saturday today! I wish we all can get the best of this beautiful day 🙂

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let me end this unfrugal spending scheme

I have made more expenses in the last three weeks than any other time since the new year. I possibly spent 3X of my regular allowance. This does not feel good. Most of the expenses are for junk stuff and cab rides while I was trying to keep my head over work and work issues. Throw in a social and hosting two dinners (one last weekend, one tomorrow) and you can get the idea.

I am determined to pay this mortgage off in the next 6 years. This means I am reducing the time into half. I must and can save more while I have a salary. This must be my priority.

From tomorrow on, I will be on shopping ban; no thrift store or other purchases till October, unless absolutely needed. I will not buy any furniture or clothes, either. Absolutely no cab rides!! I will have my hair done, though, since I am transitioning to gray now. The journey has started and will be completed. I do not expect socials either. At least I will not be inviting over anyone. Well, maybe a couple with lovely kids. We will see.

The only purchases acceptable are:

  • baking items (I will need bread flour and whole wheat flour soon)
  • veggies and fruits
  • milk and yogurt
  • eggs and occasional meat products
  • personal hygiene products

I also am going to do another pantry challenge and focus on consuming the food I already have before filling my pantry, freezer, and fridge again. That will be exciting and I am really looking forward to this.

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random thoughts and #TheLeanSpendingMonth

It is going well – this quiet and relaxing weekend I mean 🙂

Weather is good; I walked yesterday for 25 min or so and am planning to do so again this afternoon; I cook and eat healthy with lots of raw veggies; house is cleaned and laundry is done; a number of movies are enjoyed; world news are followed; better spending choices are made; food in the pantry/freezer is being consumed; and life feels overall not too eventful and is peaceful.

Of course, the world news are interesting. What the hey has been happening in the USA? I sometimes think that all the little problems of mine are unnecessary – I guess this kind of mentality and actions are the ones that will fuel a much larger world-wide conflict, unrest, and violence. So who cares about whether I will be able to do every thing I want to do this year? Save that much and invest this much? Nope. We may be looking at a much bigger and global problem to erupt (not to mention the pain and suffering by the people most needed the safety). I am sorry if I sound pessimistic (which I usually am).

Nevertheless, I try to focus on what I can control so that I can not feel hopeless altogether. That brings me to my #TheLeanSpendingMonth challenge I assigned for myself (a.k.a. super-duper lean spending month).

I initially had decided to try it on February but more or less since new year I am on it.

What is #TheLeanSpendingMonth challenge?

As the name implies – it aims to challenge me to spend the least amount of money on non-essential expenses (for me that would mean taking the cab, eating breakfast outside, buying coffee or other treats, buying more grocery that I can consume, and buying anything new while I still have a working copy at home).

I am not 100% lean in my spending; I decided a while ago that fully restricting myself was not a good idea. So I am buying one treat a week as I please (like peanut butter which is not essential for my diet). But I am quite conscious of my spending, and I am making it a choice to calculate the cons and pros of each of my expenses and think about how I could benefit from by not making the expense.

For example, I walked yesterday 15 min away to get eggs on sale, also thinking that walking is a great exercise that I am looking forward to anyhow. Yet, today I decided once again that baking dry beans would not worth it and the canned beans is a much better option for me regardless of the cost (it takes so loooong to cook beans…)…

I also needed an extra and quite clear benefit of not spending unnecessarily and so I come up with the mortgage prepayment account; I note my savings each week which will be later used to make a prepayment whenever I have more than 100 bucks in the account. I did this for the first time 10 days ago and I am excited about it 🙂 So I have more than enough motivation to keep going. 🙂

If anyone had asked me whether I could budget stricker than what I used to have last year, I would say no. But I am proving myself wrong now – I see that I can save more. This cannot be a long term plan for me though, so I rather see the #TheLeanSpendingMonth challenge as some kind of “shopping ban”. After  all I also have a life to enjoy and I would love my weekend breakfast to come back sometime 🙂

So my advice to you, if you are interested in this kind of challenges, is to learn about yourself and your choices as much as possible. Also think about it as a temporary thing; who knows maybe it will turn into a long-term habit, but if not that should be okay, too. I should also say that it is fun to challenge myself and finding ways to cut my expenses. I hope you too will have a similar and positive experience.

Have a great Sunday everyone!

 

 

 

minimal spending plan till new year

Holiday season is coming. That means; a) I am socializing more often than usual, and b) shopping! In both cases, I will be spending money 🙂

I want to take advantage of the sales and the fact that I will be off for two weeks during the holidays means that I have time to go around and shop without rush. it is quite fun actually!

My plan is to purchase a new dining set, mixing bowl, sifter, french press for home, tea kettle, and other small stuff. I also would like to stock up my cleaning products, such as garbage bags, toilet paper, paper towel, dish detergent, and others. The regularly consumed food, such as canned food, are also in the list. Sure, I will also buy new pants and shirts when they are on sale. And socks.

The list was actually bigger than that, but I felt that I must trim it….Considering the fact that my biggest financial aim till new year is to make an additional payment to my mortgage, while I am excited about the idea of shopping and purchasing stuff that I will need, I am also aware that I may be financially strained if I am not careful and cut some of these expenses.

Since it is more beneficial to take advantage of the sales (and to socialize with great people), I have just decided I should implement a “minimal spending” plan. It is not as strict as “shopping ban“. It just aims to be more resourceful by using the food in the pantry, freezer, and fridge, and eliminating my weekend breakfast-related expenses till new year. I am not against occasional set-back, but I am determined to do my best.

I have been toying with this idea this past weekend (in order to save for my sewing machine) and it actually went okay. My grocery bill is lower, yet I have everything I need. I was okay brewing my own coffee and have breakfast at home. I also seem to have stocked up a lot of cleaning products/dry food/frozen food, so the timing is good. As a matter of fact, it is actually quite good that I will be consuming what I have; this will give me a chance to help replenish them with fresher ones.

I have 6 weeks to keep my weekly expenses low, to my best, and then leverage these funds to shop.

When it is a short period of time, I know it is doable. When I first had shopping ban on purchasing books, I was not sure how long I could keep up with it. But it did happen and is still continuing voluntarily. I hope that this minimal spending plan will work out just fine, too 🙂

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