I hate money and I love money -don't we all feel that way?
Last January, in an effort to lose weight I decided I would only go to Starbucks once -every other week versus my 2-3 times a week habit. I immediately had a little bit of extra money and realized it was not only helping my waistline but my wallet as well. Additionally, I wanted to help the environment in some way, when I made these decisions as well (hence the clothesline I received from my in-laws, for my birthday that is still in the box, residing in our garage). It was around this time I started to talk D into buying me a Vespa ( I got so close, but being that I am super accident prone and have to travel quite a distance to school, he vetoed it - probably a really good idea in retrospect) - so we could save on gas.
Because D is self-employed, we rely on my paycheck for not only a steady income that pays the mortgage but medical/dental/vision insurance and a defined retirement plan. D's work cyclically slows during the holiday season so we are cautious on our spending. With recent economic worries, surprisingly (please knock on wood) D still has a steady stream of work and now we are more worried about my job. AAAAAACK!
So... we discussed, last night, what I would do if I lost my job - in kind of a humorous way because that was the only way we could muster the topic. We also talked about the cutbacks we have recently made so we won't feel blindsided *if* or rather when the other shoe drops.
We stopped the LA times (boo hoo), Netflix (super boo-hoo) and I phoned AT&T to ask about a few unexplained charges and got them to change our long distance plan, resulting in a $30.00 monthly decrease. I would also like to share with you that I am no longer using my $25 a bottle shampoo and $25 a bottle conditioner and this is probably where I feel the tightening in the belt the most - on my head, resulting in tangles. OUCH.
Today, instead of Starbucks I stopped at 7-11, where I purchased a grande size coffee, pack of gum, some hostess crumb doughnuts and 2 packs of gum all for 5 bucks. Usually, I make coffee at work but today I needed a treat. Oh and I bring my lunch to work, every day - usually last night's leftovers.
So I ask, in an effort to find ways to cutback - Where are you cutting back?