Posts tagged ‘frugalliving’

Can’t Afford to Coupon

You have seen this movie.

Slowly the hero enters the darkened passage.  He scans the shadows and suddenly there is a sharp noise.  He whips around to confront the danger.  It turns out to be a cat or an old rocking chair. He breathes a sigh of relief, realizing there was no real menace, and relaxes.  He turns back. Before he can even react it’s too late.  He is taken down by a  claw, a tentacle or an old school mate inviting him to a home sales party. Either way he is hooped.
Welcome to my January. I made it through Black Friday until just after Boxing Day. Even with the best of intentions I got hit with the January desperation deals and I bought things that were nowhere near being on my “without this we will become hobos” list. (This is not meant in any way to be critical of or unfair to members of the hobo community considering that without careful planning I could one day be carrying my possessions on the end of a stick.)  Knowing that I have some financial needs that do not fit in the budget I knew that I needed to take some drastic action to get back on track.

Where do I start?
It means I can’t afford to get great deals. I cannot afford bonus points or couponing, at least for the foreseeable future. IMG_0256 I know. I hear the tense snipping of the scissors and feel the disapproving stares as the coupon clipping continues at a furious rate. Heretic. I know that in the U.S. with double coupon days and stacking you can often go home with free stuff. My dilemma is that I am good with free but cannot afford a deal. I already have enough detergent, hair products, and pasta. A good buy is still using money for things I already have.
I learned a secret at a Mrs. Smith seminar, couponer extraordinaire. She said that most coupons come in three month cycles. If you have enough to cover that time frame you do not need more.  The truth is that I can’t resist the deal so I have to get rid of the flyers before I look at them.  It is just too tempting.
So what do I plan to do now that I have little suction cup marks all over my face from the last tangle with the lure of the great deal?
I am planning a “No Spend Month”. (It is more fun if you capitalize it and put it in flashy little grammar markings. I could have used an exclamation mark but I’m saving that for later.) I have ten days to strategize how to make this a success. I will share my battle plans with you. I’m going to have to get creative if I want to succeed. Let’s go savings! Momma needs a new washing machine.

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The Gift of Red

This blog is primarily about frugal living. That being said, the ability to spend less than we make is a many tentacled wonder. Some of my worst spending decisions come when I am tired, stressed and depressed. Most of the year I can glide by with canning, crafting, thrift shopping and humour. At this time of year the days are shorter, the seasonal affective shut down code is punched, and I feel the need to make it “the most wonderful time of the year”. (I will now have that ear worm playing in my head all day). I start to droop. I hit the drive thru or buy the packaged food. I sleep more, indulge more and spend more.  My ability to make wise financial decisions in compromised.
My emotional well being hits my bottom line.  
I realize that most of us intuitively know this but how does this help?  Knowing and dealing are very different. I will share one positive perspective that does help. There is a verse in the bible that says, “Put on the garment of praise for the spirit of heaviness”. No matter what your beliefs there is truth  here.  Gratitude.  It is a key to taking control of your perspective.
You know the things that weigh you down but what about the things that buoy you up?
I was recently invited to take part in the 100 days of gratitude challenge. What if you kept a gratitude journal? Write down 5 things for which you are grateful. During the day think of different things to write. This will keep your mind on your blessings. Share these with chosen friends and family. Blog them or Facebook them or another outlet of your choosing. You need to dwell on them, express them and share them. It will shift your focus and give you a fighting chance.
I have a great deal for which I am grateful so I will start with the colour red. All my life I believed I could never wear red. I was told it did not suit me. A few years ago I met a man who saw me differently. As we walked through a local market he picked up a red scarf and said it would be beautiful on me. I started to object but he put it on me and said it was perfect and bought it for me. There were no mirrors except for his eyes. I felt timid at first but I wore the scarf every day. Eventually I started adding the colour into my wardrobe and felt joyous. He had given me the gift of the colour red and I am grateful.
I wish you all a season clad in the garments of praise.

redcoat