A Dollar A Day

Piggy bankI’ve confessed I have a wee bit of a shopping problem, and that one of the biggest problems with my history of chewing and spitting was that I was wasting food (i.e., money) left and rightliterally.

Fortunately, I haven’t chewed/spit in well over three monthshurrah, me!

But I’ve still had trouble buying stuff and just taking a bite before chucking it, when I know deep down I just don’t need it, yet I emotionally want it for whatever the reason du jour.

And, more importantly, if I’m not going to be eating the whole thing anyway (in a day, or a week), why bother buying it in the first place?

My best friend and I were dorm mates all through college, and it always amazed me how she could have a pack of M&Ms on her desk that could last for a week.

She has a serious sweet tooth like me (hello, it’s naturally part of why we’re BFF!). And if she wanted to eat the whole pack in a day, she would eat it, no prob.

But if it was in front of me or on my desk for a minute, chances were, it’d be gone, whether I wanted it or not — for me, it’s often emotional; she doesn’t struggle with that attachment to food like I always have.

So about three weeks ago, after a talk with my husband (where I shared how I really want to grasp the concept of saving better) he suggested a good, easy idea I could start immediately: putting just a dollar a day in a little jar at home (vs. sliding money into my savings account, which just feels automatic and cold).

Just a buck. No big commitment, right? Continue reading “A Dollar A Day”

“Profiting” Off My Hardware

My husband is really good with money. I don’t mean to say we have a lot of money, just that he is genuinely “good with money.”

Growing up in a third world country where he didn’t have much, (but appreciated everything he had) he has been saving since he was a little boy. He made many sacrifies to buy special things or travel internationally, bought a house in his home country and even bought our house here in the U.S. before we were married–all on his extremely modest home country government salary.

I, on the other hand –for all my glorious fixations on food and exercise, which have helped me maintain my physical shape for the most part — am (shudder!) not the world’s best budgeter. And while our joint finances would receive a clean bill of health, my personal savings account…let’s just say it could use some major workouts!

Shocking, I know–here I am Miss Type A, perfectionist…treasurer of my sorority at one time (elected during my semester abroad, what were they thinking?!) … but I’m just being honest; I’ve never been that good with money.

I have always worked, but as my dad says, money burns a hole in my wallet. Since childhood, I spent what I earned–selling candy or lemonade in the neighborhood for a profit with my friends at age 9, babysitting when I was 12, working at resorts in high school, waitressing during semester breaks throughout college…

I was a hustler, and would work hard to save for books, a laptop, meals out, concert tickets, travel… but I still didn’t leave much, if anything, in the bank. Continue reading ““Profiting” Off My Hardware”