kumquat
Thinks s/he gets paid by the post
Did anyone reduce their spending on "undervalued' stocks/equities?
If so, wasn't that part of the 'plan'
If so, wasn't that part of the 'plan'
Did anyone reduce their spending on "undervalued' stocks/equities?
If so, wasn't that part of the 'plan'
Did anyone reduce their spending on "undervalued' stocks/equities?
If so, wasn't that part of the 'plan'
ah, brings back memories of "college food" - a big bag of rice and 3 for $1 store brand soups for the toppings. or 4 for $1 Kraft Mac & Cheese. all cooked on the "illegal" hot plate we weren't supposed to have in the dorm so we didn't have to pay a la carte at the dining hall when we ran out of meal tickets. who remembers meal ticket books for the on-campus dining halls?I'm already fairly tight, and don't want to feel like I'm living off of the 50 lb. bag of rice, with 'toppings'
I hope I understand this right but...
One of the main reasons to reduce our expenses was to have more money to invest in a declining market, so in fact the only "expense" to increase dramatically this year was "investments". We spent about $9000 less this year than last year and, combined with a decent bump in income at the beginning of the year, it has allowed us to invest close to $15,000 more this year than last year. Most of that money went to buy equities (except during the 1-month bear rally in May when we bought more bonds). Hopefully it will prove to have been a worthwhile move!
Bought one motorcycle instead of two.
No. I found riding one-up works just fine....but did that one motorcycle cost twice as much?
3. Grocery shopping 1x/week instead of 2-3x per week. Saves time as well as money (about $150/month).
4. I'm experimenting with cash-only until the end of the year. Last month was the first month I experimented with this; I think it saved me $150/month.
Hmmm - gonna try and force myself to spend an extra 10k next year on travel and entertainment. Just ran ORP and I'm not getting any younger.
That's a huge switch from my early 90's ER practices - some of which relatives and my late SO considered a tad extreme.
heh heh heh - Just the memory of what a cheap bastard I used to be brings a tear to my eye. .
P.S. The ORP calculator has been 'adjusted' 7% real return vs 10 of old and changed when I can croak plus my now from several yrs ago portfolio is down about 25% - and still the clock ticks on - I need to force, I say force myself to spend cause I can't take it with me.
And here I thought it was 2 buck-Chuck. I really like the Sauvignon Blanc at about $25 for a case. It got a gold medal too (think it was at the California State Fair).We are really pretty frugal here but have recently downgraded our wine purchases from 3 buck Chuck to Ripple.
We are really pretty frugal here but have recently downgraded our wine purchases from 3 buck Chuck to Ripple.