Showing posts with label stop buying stuff. Show all posts
Showing posts with label stop buying stuff. Show all posts

Thursday, January 9, 2014

The Resolution We Can't Keep In This Country....Non-Consumption REDUX

My January 2013 Rant........dragging it out of the closet for another airing in 2014.
$12 A Day's post HERE reminded me to share this again.

Still timely advise and something to get you thinking.
Is this the year you break the cycle?

Enjoy.
***********************

When we start a new calendar year, we tend to want to start fresh in all areas of our lives.
One of the prominent thoughts at the new year is to get organized or get MORE organized.
Being organized is ALWAYS a worthwhile goal, isn't it?




This is when we see stores haul out big displays and sales on Storage Containers and Organizational Systems of all kinds: from filing systems for the paper in our lives, to the clothes in our closets, to the foodstuffs in our cabinets, to ?.  Every area of our homes is ripe for storage improvement.
And the retailers stand at the ready with shiny new stuff for us to buy to make our lives more contained and organized.

It's true that in order to live a life that's streamlined and functioning well, we need to stay on top of everything in our lives, especially our "stuff".  But do we need to pull out the credit card or bank card or money envelope every January to buy something to achieve a functioning home?
The retailers will tell you YES you DO!
I say not necessarily.

Personally I feel that we don't have an organizing problem in this country, we have a "stuff" problem.


Now think about this......
How many people start out the new year buying containers, spending more money, and either abandon the plan to organize or find that just buying pretty containers and dumping your things in them is not a real organizational plan.

How many do this and by the time next January rolls around, the plan is forgotten and they are again, seduced by all those pretty containers enough to part with more of their money and start the cycle of buying containers all over again?

Do you realize that a fair percentage of people who are clinically referred to as hoarders follow this pattern of wanting to organize their things, purchasing containers/systems, and never do the emotional/physical work to change their habits and organize?  The containers just add to the clutter of their stash and every time they return to this phase of the cycle, more containers are added to the chaos.



Most new year attempts at getting our "stuff" organized are much like those new year resolutions we all make and promptly break or forget by February.  They seem like a good idea at the time, but the follow-through is just not there.



And if after all this organizing and storing away we still can't fit all  the "stuff" into our abodes, there are always garages and storage sheds we can buy, build and utilize.

And if that isn't enough extra space, there is a whole industry that is growing at an alarmingly fast clip that would love to rent you space for all that stuff you have that you don't need access to as often.  Yes, I am talking about the Storage Facility business.....a Billion Dollar industry that has grown up around our inability to throw things away.


Our homes in the US now are on average double the size of the homes our grand and great grandparents lived their lives in.....and usually with fewer PEOPLE living in these homes to boot.

We have double the space for the stuff in our lives than they did, yet we still can't organize it all in such a way to fit into the space we have allocated for it.

We have more clothing & shoes, we have more furniture, we have more kitchen gadgets, we have more dishware, we have more food, we have more cars and related equipment.  And let's not forget all the electronic toys they never had, and all the hobby stuffs and sports stuffs.



And then there are the collections of every type, shape and size.  Most Americans collect something and a large percentage of those who collect have MORE THAN ONE COLLECTION of stuff.  And if you are stuck in a perpetual cycle of buying containers every year to corral your stuff, those containers ARE a collection themselves!


If you can no longer use a room in your house or apartment for it's intended purpose because your "stuff" has taken over that room, you may have a problem.



Sure, if your collecting brings you joy and you have the extra space for it, that is great!

But if your things are taking over the space in your home AND taking the place of people in your life and costing you money that you can't afford to be spending on it, perhaps it's time to take a good hard look at your life and the choices you are making.

If you bought less "stuff", would you have more room in your home?
If you bought less "stuff", would you have more time because you would have to organize and clean less?
If you bought less "stuff", would you have more money in your pocket to spend on needs and not be stressing out at the end of each month that your income would last?
If you bought less "stuff", could you spend that money on the people in your life instead?(And I don't mean buying THEM stuff instead.)

Make 2014 the year you break the cycle of spending on things that are NOT needs, and on this perpetual cycle of cluttering and decluttering.
Make every purchase you make an INTENTIONAL, well thought-out one that fills a need!

What do you think readers?

Sluggy

Friday, April 6, 2012

$20K Savings Challenge.....MARCH Results for 2012


Ok, here is my March Savings Challenge Update post for 2012.
This post is NOT about bragging or showing off.  It's just what we are able to save given our income and being able to hang tough against "unconscious" spending.
Just to update, My Savings Goal for the Year in 2012 is $20,000.  It's well below what I've saved in previous years I know.  But we also have a goal of paying for 4 home improvement projects at Chez Sluggy this year.  We plan on cash-flowing these projects with the additional money we save.

On to the March report.....

I have posted my MARCH End of Month $20K $AVING$ CHALLENGE Totals.
Check out the side bar to your right for the specific numbers.

I have 2 goals each month.....
The 1st is to actually finish each month in the black and not the red.
The 2nd is to hit the targeted savings amount of $1,666.67.

I have to report that we finished up March in the black!
The extra cash amount we ended the month of March with?.......$1022.68!

Income
We had $1005.24 left over from our income after our monthly expenses were deducted.
Add in $16.99 in Rebates applied against the food expenses & .45¢ in interest and  you get a total of $1,022.68.

Outgo
Traditionally March has been a tight month as far as the money goes.  2 paychecks have to cover the usual monthly bills like utilities, food, etc.  But we also have the yearly local taxes due starting in March and I pay the Sewage bill for the year in March as well as make a quarterly payment to the garbage service.  If you figure that I use to pay around $1K to the mortgage payment(when we use to have one), if this was before having paid off that debt, we would have been breaking even when all the chips fell at the end of March.  Not having that debt and not inflating our lifestyle since paying off the mortgage means we get to stash away that wad of money instead!!

As for the expenses this March......

HERE are the GOOD THINGS

*  The mild winter temps continued, which kept our heating/electric bill lower than usual.  I like that...
*  The credit card bill(which is paid in full each billing cycle)was under $700 this month. 
*  #2 Son did not get his driving permit in March so we delayed the increase in our car insurance rates a bit.  I'll take anything I can get.lol

HERE are the BAD THINGS

* Quarterly and yearly bills and taxes were paid in March.  While it's definitely on the "Bad" side of things, having the money and knowing it's coming up and being prepared for it, takes some of the "Bad" out of it.  Having to shell it out still stings though.
*  Hubs car had a $400+ repair this month when it went into to the shop for inspection.  This seems to always happen now, since our cars are getting up there in age, so I mentally prepare myself for the potential of receiving a repair bill anytime we take a vehicle in for inspection.  Just a sad, sad fact of motorized toys.
*  Hubs paid for dog licenses this month.  Though he didn't warn me he was spending the money this month, it wasn't so much of an expense that we couldn't handle it.  But it would be nice to know beforehand....
*  The cash withdrawals were very Very high this month!  Part of that was due to my $500+ withdrawal for food.  Hubs also stopped giving me his receipts again, so I have no clue what all he spent it all on besides buying coffee and lunch at work and paying for #2 Son's music lessons.  sigh.

The Food Budget costs for March are in another post, which is located HERE.  I overspent my budgeted amount, including the excess from Jan. and Feb. that I hadn't used those months.  I feel bad that I topped out at $511 on food for the month, but I did get some great deals which should keep our April food spending lower.

YEAR-TO-DATE GRAND TOTAL.....
With 2 month behind us, our Savings Grand Total for 2012 is $4,016.59.
We didn't hit our monthly goal in March so now we are $983.41 behind for the year.
With 3 months done, we should be at $5,000 saved for the year.

So how much did YOU save in March?  Did you spent all your income or did you put something aside?

Do you have an emergency fund of 6-8 months worth of expenses?
Do you have debt?

Start living below your means NOW and put some money away for emergencies and/or start paying down your debt.
And once you get debt-free, continue to throw that debt repayment money into savings.  You won't believe how fast you can accumulate wealth once you have no debt!

It is NEVER too early or too late to SAVE SOMETHING.
And the amount you save is NEVER too small!
Anything you can spare will go a long way to make you more financially secure in this crazy unstable world we live in.

So come along and Challenge Yourself to Save Money each Month Toward a Realistic for YOU Savings Goal or Debt Goal!
Not everyone can shoot for $20K, I fully get that!
But everyone can shoot for some number, right!?

Find a money goal that works for you and put that number out there for everyone to see.  Put it into paying down your debt, put it into savings, invest it or put it toward the principle in your home mortgage....just get busy and do this!

It will help keep you accountable to your goal if other eyes are on you.
Put it out there online and let us all stalk your money too. ;-)

So how was your March financially?
Did you spend less than you made?
Did you stay within your budget or not?

Leave a comment and share with us what you did with your money, both the good and not-so good.   Do you have any tricks or tips that help you to end your month before the money runs out?    Let us know!
If you posted your financial progress on your own blog, leave a link in the comments so we can go check you out too!

Sluggy