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I had a mild panic attack the other morning when I looked at
the checking account and saw that there was a pretty darn low balance in there
– as in not enough to cover the mortgage payment. Commence freak out.
Then I remembered that I had loaned my other checking
account a big chunk of change for a couple of weeks and had just forgotten to
pay back the first account. Silly me…
(We have two checking accounts at two banks – one bank is
online and has the better features/rates/etc but also has no local branches, so
we have a local bank as well.)
A hasty transfer later, the balances are back to normal and
I can breathe again. But, as I was looking over our spending I realized that we
had really slacked off. Lots of eating out is one of the major culprits, as
well as random spending. Hubby likes to have a daily soda from the convenience
store (almost $2 a pop), I like to browse garden centers, and we both like to
get lunch from the cafeteria. Things that we just don’t need, but that we like
to get. Mindless spending.
So with that wake up call, I’m determined to be better with
my spending and hubby’s trying also. We’re making small changes that will have
a significant impact on our wallet – my first, and biggest, change is cooking
all of our meals. I used to cook all the time, but excuses abound resulting in
a serious lack of cooking. Another change is to make the majority of Max’s
clothing so we don’t have to purchase it, or when it’s cost effective buying
used clothing. No new clothes for me or hubby either – if we need something we
get it used, but that’s been the norm for a while.
This next week I’ll be going over some of the things that I’m
doing to save a few bucks. What little (or large) things do you do to save
money?
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