EastWest Gal
Thinks s/he gets paid by the post
The sad truth is the first world is run by megacorps whose job is to sell us stuff we don’t need. Ever see an ad for lettuce or cauliflower? Raise awareness of how your spending is influenced by marketing practices.
I never could do a budget either, I’m FIRE’d and way older than you. I’ve not shopped for social purposes, though. About 7 years ago I sat down and made a spreadsheet categorizing all our spending using credit card statements and bank statements-I did a one year look back. It was very helpful and led to some simple changes which helped with ER.
Whether you budget or not, knowing how you spend and noticing what triggers spending saves money.
Now, some specific suggestions:
If you go shopping with friends, go shopping, not buying. Leave the credit cards at home, or only have one for emergencies only (car trouble, etc.) Tell your friends you’re not in need of anything specific today. You can have all the fun and no waiting at the cash register!
Alcohol is expensive. Drinking out is stupidly expensive in the US. And we drink too much. Go out for a drink, not drinks. If you socialize by drinking out, look for ways to reduce the “drinking” and stretch the “going out” part. Order a club soda or soft drink. You’ll usually get the lime or cherry, or just ask for it. Sip slowly and enjoy the company. Cutting actual alcohol consumption is both healthy and saves a lot of $$. Find a kareoke bar if you go to bars. Free entertainment or be the entertainment.
Join a meetup group. Day hiking, kayaking with a used kayak, and other meetup activities cost little. Consider a book club or a game group. Or Toastmasters, which may help your career too. Library events and free concerts are other possibilities. Most libraries have meeting rooms, where they host conversational foreign language groups and lectures and other events.
Volunteer somewhere, as has been suggested.
“Starbucks” on the cheaper:
1. Starbucks is a marketing thing. Don’t go there. At least not often.
2. Buy a plastic, reusable Starbucks cup. Use it at home, or fill it before you go out. Save 10¢ each time you buy Starbucks (not often!) if you use the cup.
3. Buy a brewed coffee “with room” and add milk/sweetener yourself.
Good luck!
I never could do a budget either, I’m FIRE’d and way older than you. I’ve not shopped for social purposes, though. About 7 years ago I sat down and made a spreadsheet categorizing all our spending using credit card statements and bank statements-I did a one year look back. It was very helpful and led to some simple changes which helped with ER.
Whether you budget or not, knowing how you spend and noticing what triggers spending saves money.
Now, some specific suggestions:
If you go shopping with friends, go shopping, not buying. Leave the credit cards at home, or only have one for emergencies only (car trouble, etc.) Tell your friends you’re not in need of anything specific today. You can have all the fun and no waiting at the cash register!
Alcohol is expensive. Drinking out is stupidly expensive in the US. And we drink too much. Go out for a drink, not drinks. If you socialize by drinking out, look for ways to reduce the “drinking” and stretch the “going out” part. Order a club soda or soft drink. You’ll usually get the lime or cherry, or just ask for it. Sip slowly and enjoy the company. Cutting actual alcohol consumption is both healthy and saves a lot of $$. Find a kareoke bar if you go to bars. Free entertainment or be the entertainment.
Join a meetup group. Day hiking, kayaking with a used kayak, and other meetup activities cost little. Consider a book club or a game group. Or Toastmasters, which may help your career too. Library events and free concerts are other possibilities. Most libraries have meeting rooms, where they host conversational foreign language groups and lectures and other events.
Volunteer somewhere, as has been suggested.
“Starbucks” on the cheaper:
1. Starbucks is a marketing thing. Don’t go there. At least not often.
2. Buy a plastic, reusable Starbucks cup. Use it at home, or fill it before you go out. Save 10¢ each time you buy Starbucks (not often!) if you use the cup.
3. Buy a brewed coffee “with room” and add milk/sweetener yourself.
Good luck!