10 Things to Cut FIRST From Your Budget to START Debt Snowball
ฝัง
- เผยแพร่เมื่อ 20 ต.ค. 2024
- Starting the Debt Snowball this year? Want to know how to cut your budget? In this video I share the top 10 Things to CUT first from your Budget to get things rolling. What things did you cut FIRST?
#DebtFreeDana #GetDebtFree
How We Stopped Living Paycheck to Paycheck • How We Stopped Living ...
Pregnant? We cloth diapered 3 of our 4 kids, and estimate we saved THOUSANDS of dollars. In fact I started my TH-cam channel as "MsDiaperD", sharing over 80 cloth diaper video tutorials. • Cloth Diapering 101
Build Your Cloth Diaper Stash Here:
*www.nickisdiape...
ツ S U B S C R I B E (it's FREE)
www.youtube.com...
Hey there! I'm Dana. I'm a wife and Mother to 4 kids, including twin boys and two girls. I work full time outside the home in finance as a Corporate Accountant, but enjoy sharing my personal and parenting journey online. We live in the Philadelphia area.
Follow Me on Instagram @DebtFreeDana
*Please be advised that some of the links above are affiliate links and I do receive a very small commission if you make a purchase using those links. I appreciate your support if you do, and if you don’t - no worries. We’re still buds. HUGS!
‘Marty Gots a Plan’ by Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0
creativecommons...
💯 agree I have goals this year specially my husband is retiring in 9 months, I regret I didn't start earlier on cutting and budget
I love listening your videos at work, inspires to do them.
With kids, there is one thing we do as a family you might like. We like boardgames. A lot of boardgames have additions you can add to the game. So when I started looking for them, I realized that instead of getting a new big one every now and then, I only buy an additions to the ones we already have at home. This way the game stays still advanced and interesting, but costs me close to fourth per year than buying big ones each year. Carcassonne for example, 5 years and still growing.
These days clearance is cheaper than used. Check Ross or Beals outlet. Lots of these stores are cheaper if you prefer new. Yard sales are going to be your cheapest way to get clothes.
I might add to: don't, Don't, DON'T replace the things that you've cut out with spending the money you've saved. This is the biggest mistake I, and others have made. Just because you've saved 14 bucks by stopping Netflix DOESN'T MEAN you can now justify your takeout or whatever!!!
You can also fix and repair clothes and shoes. If you take really good care of clothes and shoes they can last a long time before needing to replace them, and when the need does arise, you're right: used is good.
You can use the library to find free activities and recreation, too.
I cut movie rentals. Our library has movies for free (as long as you return them on time).
Reigning in on spending and adhering to a budget is so important to setting yourself on track to being financially independent! Cutting subscriptions that hit you every month with fees is a great place to start. Thanks for sharing!
I wish I could get rid of my gym membership but I’m locked into a two year contract. I don’t do any of the other things though.
Restaurants are big for me. I've ben trying to not go. I know, I need to cut it out for a while.
Great advice. I did cut all of those many years ago. Unfortunately I'm on disability and will live this way long term. I make it a challenge to save more each month. Its a game.
We were gifted a Costco membership for part of our Christmas gift from a daughter and son-in-law. Not sure we will use enough to make it worth it? May not renew? We will see if it’s worth it
Great info!
I stopped dyeing my hair for the same concerns you have about the chemicals. I know I look older than I did, but that can't be helped. I am the age I am, so what's the point in pretending otherwise? Those chemicals are really unpleasant and I think one day people will look back with horror at the chemicals we use just to colour our hair, putting them into our scalp!
Instead of taking public transport to work I byke. It takes same time, but my legs look awesome and I don't pay for bus. I also do not go to gym anymore since I work out twice a day (back and forth). 9km a day, any weather, summer and winter. With time I had to change my outfit for more comfortable and simple. And I have to change my clothes at work (I never work in the same clothing I byke). But it definitely worths it!
Let's also look at smoking and or vaping, $ 7-8.50 per pack really adds up. So cutting out smoke will be a really good move too.
Unfortunately we weren't ready to quit smoking BUT we purchased a rolling machine & now roll our own!! Went from spending $250 mth to $49!
I check out books and BLUERAY DISCS at the Public Library
Cable TV. Some people spend more than $100 a month just to watch commercials.
Reverend Al I pay almost $200/month and Xfinity customer service sucks big time.
@@melissadeguzman5439 Wow, that's a lot!
I dont have cable however I have movie night with my family every Friday and it dawned on me that I was spending $25/movie/Friday. So I bought Roku and subscribe to Disney Plus, Pureflex, and ESPN Plus and spend $25/ month instead $100/month. Roku has tons of free movies and tv shows.
Look at streaming. I went from over $100 a month satellite to $60 month using youtube tv and Netflix
I've never had cable because I know if I paid for TV, I'd watch it all the time to feel like I was getting my money's worth!
If your kids do expensive activities, look for a way to develop the same skills in a less expensive way. YMCA, Scouts, public library classes and clubs, church music lessons and choir programs etc. are going to be less expensive than private swim lessons, music lessons and art classes. The latter might be desirable if your child is very advanced, but for most kids, there are less expensive enrichment activities.
Or maybe you could do a skill swap with another family.
You forgot 'netflix'
Hey Dana, I definitely do not think you should die your hair. I have very long hair, down the middle of my back, and two years ago I decided not to die my hair. Everyone, including my husband was against me and said I would look old, yadda, yadda, yadda. I too did not like putting those chemicals on my hair every 6 weeks. It took a year to get all the colour out of my hair and have my natural grey hair and let me tell you, it is the best thing I ever did. I am 55 years old and I have 25 year olds stopping me when I am out shopping asking me who my hair dresser is as they want the same shade of grey I have. I just laugh and tell them Mother Nature will take care of that for them in due time. And....my husband and family now tell me I have never looked better. They love my grey hair and says it 'softens' my features and makes my eyes super blue! I get more compliments now then ever. Don't be afraid to go grey.
Rare person looks good, let alone better, grey.
Don't give up! Thanks Dana. Your videos are a big encouragement to keep going!
Alcohol!!! 😱
I'm surprised that weekly meal planning and grocery shopping with a list, didn't get at least an honorable mention.
But then again, that's a should do not a don't do.
great tips/ I meal prep dinner and lunches, make coffee at home, wash my owe truck, do my own mani /pedi, dye my own hair ,dry clean my clothes at home. I read books instead of going to the movies, walk to the park meet up with friends, SAVE
Debt snowball here. I actually turned the premium cable back on cuz I found that I was spending more on movie rentals, movie theaters, streaming, et cetera.
I cancelled prime few months back and now I spend wayyyyy less on Amazon!!!
Shannon Nelson I cut prime February of 2019 and just got a single month in December to do some Christmas shopping. I did some math last year when I cut it and I figured I saved over $1500 by getting rid of amazon! (Including the prime dew, random purchases, etc.)
Thank you.
Thanks Dana. That shade of pink looks lovely on you!
Buy a pair of walking shoes about £30
They will probably last a year or so when it's a nice day get out and walk this will keep you fit and not cost you a lot of money go to the beach or countryside or walk around the city for a couple of hours.
I was excited to see what I could cut... and apparently I'm really money savvy because I don't do any of this 😅
Yeahup
Awesome list! I agree about the hair dye. I used to color my hair until I was diagnosed with cancer in 2018. I’m in remission now but I’m still extremely careful about the chemicals I use on my body and around the house.
I stopped this last year, now 50% gray and love it!
Rachael K Henna is not good? Or peel of potatos, or green nuts?
@@carmend9321 Gray hair is actually quite beautiful, especially if you grow it longer....the variations in color with the silver and white have much more character than hair dye.
Rachael K Hi Rachel! You may want to try Eco Colors. They have home hair color kirs available through their website. Their hair color is safe for people who have had cancer, and pregnant women can use their hair color, as well.
You can check out their website at www.ecocolors.net
Charming Chocolatelover, thank you! I’ll check them out!
We are cutting back on grocery shopping right now, trying to use up what is on hand. We're planning on moving in a month or two, and want to try and save money - and not move frozen/refrigerated food.
That's what we did when we moved, helped a lot
We are doing the same thing now too. Glad I'm not alone :)
We went down to one vehicle. I hope it’s worth the sacrifice lol
Unplugging the cable box at night before going to bed, or when you're not watching TV will cut your electrical bill significantly. Almost a quarter each month. There's a TH-cam video that shows a man doing a breakdown of how many Kilowatts are used by each appliance, including the cable box. That video is titled, I CUT MY ELECTRIC BILL BY 1/3 by doing nothing. It's not so much the large amount of Kilowatts used by each appliance, but the length of time the appliance using a large amount of Kilowatts is running. On your Electric Bill this is listed as kWh usage. Kilowatt HOURS.
Example: The toaster uses 1650W or Kilowatts, but is only running long enough to toast bread. The cable box uses high Kilowatts, 600W, and is running for hours, days and weeks. It's rarely if ever turned off. This is one reason your electric bill is so high if you have cable. Because you must rent the cable box and didn't purchase it, the Wattage used isn't listed on the cable box. To get the correct wattage, you have to multiply the amps times the volts listed on the cable box to get the Kilowatts. It's 600W. Most refrigerators use 650W.
Charges on your electric bill are for kWh usage...Kilowatt HOURS.
I don't have cable, but have suggested to family and friends to unplug appliances when not in use and especially unplugging the cable box. Thanks Dana!
Schae - wonderful breakdown of info! I want to add that you are doing another good thing for your family: you are decreasing non-native EMF exposure! If you want to follow that rabbit trail, I recommend articles from Dr. Jack Kruse MD, If you don’t mind a heavy dose of science, and there are plenty of others who address it in simple language.
I finally got my electrical bill breakdown and saw exactly what you are talking about. I do not have cable, but I unplug my TV and toaster when not in use. And I only leave my laptop plugged in long enough to charge it. I will check what the difference is at the end of the month.
Also, I found out that unless you have a "smart" power strip, the electricity keeps running even though your appliances are turned off when you turn off the strip. I re-arranged everything and got rid of the regular strips. I do not intend to spend money on purchasing smart ones.
The worst thing about fancy coffees is the crazy amount of sugar in them. If you're having a hard time losing weight look at the sugar content of the coffees you drink.
Lani A I buy my own coffee and K Cups
Mary Lee soymilk is worse than CAFO dairy. Pastured A2 ruminant milk is so healthy. SB is going to never serve it but wow if they did...
Great list, a lot of food for thought... The one thing I am not cutting out (even though it's very much considered not frugal) is my gym membership. Gym transformed my life, it helps tremendously with my physical and mental health. I have great rapport with the owner/trainer, who has me on periodization program (without charging me) and is basically acting as a personal trainer with no additional cost (just one of those people, who love their job so much). It's a small gym I made friends there (I work from home, so that socialization means a lot). All in all, that 24 euros a month is more than just a worth it for me. I'm sorry for the long rant, I just wanted to share my thought process of weighing what and where to cut when saving money. Meaning, that something can be an essential to you, even if it doesn't look like it on the surface. Good luck to everyone and anyone scrolling by!
For everybody is important to socialise somehow,so you don't need to explain why for you gym is very important. If you have had other situation, your response could be different.
Can you go to a cheaper gym? Planet Fitness gyms are only $10 a month.
@@Suz9006 no Planet Fitness where I live😉
24E is rly not bad once a month. Health is the most imp thing. Try nit having it! 🙂
All good idea which I have been using for the last year. My problem which is not debt pay off, it's being an older senior on very low social security income. I've already cut out all of your suggestions, and still need more to cover medical, dental, etc. that I have little money to pay these costs. Fortunately, my family helps. Podcasts always addresses debt as a reason to have financial problems, but when your old, and or disabled, you need more advice just to solve the lack of necessary income along with cutting expenses. Remember to address these people too.
I don't know where you live and perhaps you already know about this. As far as dental, check to see if there are dental schools in your area. They do a good job at a much lower cost. If you take certain medicines, contact the manufacturer; often they will send you coupons or a free monthly supply. Also, if you have a smart phone or your children have one, have them download the app "GoodRx" which offers coupons for medicines. Sometime, you can get something cheaper than with your insurance. Check your area's community service. Aside from offering rides to medical appointments for $1 or less, many of them also offer a box of food at Thanksgiving and Xmas, which can help with your food budget. Also, check to see if there is a food pantry. You could get a grocery bag-worth of food. Food pantries are not just for the homeless. Perhaps there is a program in your county that help lower electric bills for seniors. It's called LIHEAP in the Chicago area but perhaps there is something equivalent in yours. Sorry to be so long-winded. Good luck to you.
Theres nothing to address. You dont have enough income. You need a certain level of income. Im not saying anything great, but even one person has basic costs.
I'm old and on disability retirement and I truly get where you're coming from. I take EXTREME measures to keep utilities down n I mean REALLY EXTREME. I turn the water off while washing myself in the shower and turn it on again just to rinse. I turn the stove off at the fuse box and only turn it on when I'm ready to cook. I keep washer and dryer unplugged till it's time to use them an unplug them again as soon as I'm done. I catch the water that would go down the drain while shower water warms up and use it to water house plants and garden
I also dilute all soaps with water till soap content is 50%. That's dish soap, hand soap,body wash, laundry detergent, hand soap, etc. Then I start decreasing the amount I use until I find the exact amount that still gets things clean. I used one medium bottle of dish detergent (for hand washing--no dishwasher) for six years. I thought that was a record till I met someone who made hers last seven years! I also eat the cheapest brands of everything I can. I'm old enough for YWCA's silver sneakers, and I get a gasoline discount for shopping at one particular grocery store. When a bank overs a couple hundred dollars to open a new account, I do that and mark on my calendar how long I have to leave it and how often I have to have transactions to get that couple hundred.
Look for happy hour $1 car washes and free car vacuuming specials.
Everyone should re-evaluate their budget and/or have one, even if you don't have a lot of debt. Ninety percent of what you suggest, I already do, and have been doing for a while, but then again, I live on a fixed income, so having a 'budget,' is nothing short of just survival.
By the way, I also live in the Philadelphia area, as well. Ms. L Churchill
I buy gas at Costco and the savings is substantial. More than pays for subscription. I get what you’re saying.
I don't trust the kitchen either. I worked too man kitchen lines I know what goes on back there.
Thank you Dana. This was very helpful for me
I must be poor already, because I only found one or two of these items to cut. The rest I already don't do. Great tips though! Keep it up!
By the way, you don't need to color your hair. Your hair color is already great! Just my opinion. I do color mine, (at home!) but it's half grey and half super ugly color.
I used to color my hair myself when it first started going gray. I was going to a wedding once and wanted my hair done professionally. It's the only time a hair dresser ever dyed my hair because, she kept looking at it and deciding it needed more time with dye on...over and over
By the time she was done my hair was bright orange! I was wearing a pale, delicate pink outfit. I looked like a clown. I was mortified to show up in public like that and my date could not have been exactly happy. I never let another hair dresser dye my hair. I was letting my gray grow out when I interviewed for and started a new job. For that I dyed my hair again. It took no time for me to learn that the corporate culture there accepted absolutely everyone exactly as they were. I let my gray grow out again. Still not completely gray, but I'd NEVER dye my hair again and wish I never had.
Why would anybody want to stop enjoying their lives ? If buying things makes you happy go for it ! You only live once !
Problem is that being in debt is one of life's top stressers. Plus these cost-cutting measures are temporary. Once the debt is gone, then the future is brighter
I work for a catering company, do I bring home leftovers. Saves a lot of time and money
More and more we are so disappointed with restaurants. We have gotten so picky! Thank you for all of the great ideas! I've been wondering how your daughter is doing.
My hubby and I went to a very fancy dinner out - first time alone without the kids in seven years. It was amazing, took three wonderful hours...cost $250. My takeaway - make dining out a really special occasion. None of this mid-range ‘just because we are hungry’ stuff, not the fast food crap...eat out rarely and celebrate it.
I'm not having any debts. Most of the listed points, i am already following and happily continuing for a happy life with peace to mind.
Thank you for all the tips! I'm 28 and already hate having debt! I don't even have credit card debt...it's just student loans and a new, in 2015, car (which I love but I also should've bought used instead) and it could be worse but I can't wait to pay it all off!
Use cloth towels and napkins instead of paper towels , go to Library to borrow movies, books, etc.
Washing your car at home is a TERRIBLE waste of water! Also, in the winter it’s important to get the undercarriage cleaned of the salt on the road. I’m surprised you didn’t mention cable tv. I’ve cut a lot out, and truthfully some things I just never did, so I couldn’t cut them out.
Yes, cable too. 😁 I suppose it could be a waste of water depending on how you go about it. Good point!
I had a smart Uncle Bob.He would have us go outside when it was raining andd wash the car and let the rain rinse. ..and good fun.
If you love magazine reading, you can download and read most of them online for FREE through your library. Most participate in the RCB online lending library.
Great money saving ideas. They should shop their homeowners and auto insurance. Many people never shop around.
Hello! You hair is lovely and you have a natural beauty! And clearly you are pretty inside where it counts the most! Just wanted to give you a nod that you are absolutely right about salons and nails and monthly subscriptions! Money down the toilet! A great place to find money!
Agree! She is so pretty and natural looking.
I go to hair salon once per year and nail salon once per year. I also have been looking for all natural hair dye for years. Lemme know if you find something nontoxic for dark hair.
Dana, you make such great videos! Cut back on taking vacations.
I had a real Starbucks and Dunkin’ Donuts habits. I purchased a Keurig and use a reusable pod. I unfortunately pay a lot for my daughter’s after school program bc I she does them and I don’t have to take her anywhere. The Grocery budget, clothing, and restaurant spending is so true!!! She experienced bullying at the free program and I wanted her to be happy. She loves it!
Mary Lee
I still 😍
Mary Lee whattttt😂😂😂thats not true
Done...., thanks Dana.
I agree with all these
omg yes!!! Food was the WORST for us. We were going out like every day for a while, and this is one of the biggest things we cut from our budget. :)
Luv your videos :) thanks for sharing. Are yall currently debt free? If so did yall do a debt free scream?
I feel so proud of myself. I’ve cut out a lot of this. I’ve cut those nails salons, started going to hair schools to get my hair cut, buying 2nd hand more (mostly for ethical reasons)
For my husband and I we cut out vacation/holidays. Also I used to get my hair done every 8 weeks or so now I get it coloured in a way that I can let it go for 6 to 8 months even up to a year sometimes. So I didn’t let it go entirely,
Great ideas! Thanks for the tips. I love your hair. You don’t need to color it. ☺️
I know you said eating out but, one particular thing that you didn't stress was coffee. People don't realize how much they spend on Starbucks. Some people spend about$30.00 a week on those specialty drinks.
I roast and bring my coffee everywhere, i buy coffee out maybe 1x per year
My coworker buys coffee everyday at work it's about $5.00 every day. That's $100.00 a month!! 😭😨 When I did drink coffee we made it at home.
They MUST know. I buy it maybe twice a year for whatever reason and I still cringe inside at the total.
Paloma M. Coffee adds up fast!
Paloma M. I make my own coffee at home
Nah Dana just join the club where we don’t dye our hair! :)
Most stores have warehouse aisles
I’m on a journey to get debt free, except for mortgage , and I cutting cable, that’s a biggie, don’t eat out much make coffee at home or free at work, but my luxury is my nails which I save for n only get them done @ every 6 wks🤷🏽♀️🥰🥰gotta have perks😂😂
Here is a tip to wash your car quickly & easily, with only 1 bucket of water. No hose needed. Use a chamois and water. No chemicals needed. Great on the windows. And reusable. .....Also no need to start dyeing your hair. Love every stage you are in. My hair is 50% grey, at least. & I love it. Saves so much time & money not dyeing it. & no frustrating regrow. Feels so much fresher. & no chemicals. I decided to get it cut every month so I can have a short style that always looks good. Am still paying a quarter of the yearly cost compared to when I was dyeing it. Win. Win.
Cigarettes
Lol, I have cut everything you mentioned already.. however I have a sweet tooth and I just spent 25 dollars on valentine's candy and I have already eaten it.
So that's what I need to stop buying is candy.
Justin is getting a very significant pay increase from his promotion and 2020 cost of living increases, so we are ready to kick some butt!
Nice!!!!! ❤️💕
Basically don’t be such a consumer. Produce some yourself and let the rest go. You appreciate things more when you do them yourself or only do them on special occasions.
Certain hair dyes don’t have harmful chemicals in them. Most of the permanent ones do tough. Try arctic fox, they’re amazing
I was JUST talking about the beauty supplies in another video b/c they're SOOOO expensive. Lashes, nails, hair, waxing, all of that is SO pricey!!
Internet on pc. Here in Hawaii it's $99 just for Spectrum to be internet provider. Now I go to library or stream movies from phone to tv or walk to 🌴 beach😉
I dont do any of these thank goodness...I only have student loan debt I pay monthly but for me 2020 I separated from my husband and moving to a studio apt and although I am gonna have full rent n utilites on me im ok with that cause I will be saving a ton...I live a minimalist and sustainable lifestyle so I have always been able to save but the hubby was getting to expensive so I had to cut him out 😂😂😂
No, you don't need to dye your hair! Don't listen to the "shoulds."
For magazine subscriptions my library has a lot of major magazines either in physical or digital version. For hair dye I use a brand called Herbatint. It's vegan and doesn't have the nasty chemicals. I also use a nail polish brand called Zoya that is vegan and nasty chemical free. I haven't paid for a hair cut or dye in over ten years, no nail salon for at least three years. I don't drink alcohol, such a waste of money and not good for our bodies or our mental health. I've cut out a lot over the years but then add some other things (like Disney plus lol).
IYO is it more important to put every dollar to debt possible or to save for sinking funds while paying off debt?
Dave Ramsey suggests saving 1000 dollars first and then start with your smallest debts.
I remember that story where women were getting leg ulcers from salon visits due to lack of hygiene in washing or disinfecting the foot baths.
I looked over how much money I spent on espresso over the past year and WOW! I have given it up and purchased some tasty loose-leaf teas to brew at home or at work, and I'm enjoying it very much...and saving LOTS. I don't spend on most of the things you mentioned, so am not going to be making a LOT of changes, but just the coffees alone is going to make a big difference!
Restaurants suck the money 💰 out of you for sure . I didn’t think I was spending that much meeting people for drinks & dinner but I was spending about $300 per month & just think what that could do to build up your IRA or savings . Now I’m budgeting & I just tell people sorry I can’t go out all the time .
Disagree about tue Sam's Club cancellation. If course your not old enough to worry about monthly medicine refills. Paying Sam's $100 a year is saving me over $300 every 3 months for refills. Just need to look at all the benefits and drawbacks of some of these memberships. They can save you money.
Dana I think you are Lovely and Sensible and What Great Advice you Give and you are one Women who Does not need make Up to make you look Better. I Knowe you are Married and I Hope I have not Upst Your Husband Ha Ha.
For me, I have given up conditioner, body lotions and hair creams. I just use coconut oil on my hair and body now. I have also started buying cheaper body soap. I have also decided to give up nail polish and everything that goes along with it. One thing my husband and I struggle to give up would be our snacks. I live in South Africa and have found that the concept of a "side hustle" is very challenging. So I am always looking for more ways to spend less and free up more money for debt repayment.
I think is easyer if you came with a solid sistem with rules and rewards. For me, Konmarie method is great. You gonna get fullfilment in process to tiding up.On other aproch is to be very clear about things who was for survival and other things.(miscellaneous) All the efort gonna be to survival and navigate the crisis. Maybe is time to explore other diets ( for me works keto), and try to live more close to the nature (gonna be more healtyer and more energetic). Is importand your mental straight. To be realy greatfull for what you have and have a comunity to express that.
these things were cut drastically, I recently just added the coffee stop at mcdonalds back in to my life. I let myself purchase the 1.06 coffee two to three times a week now. I just enjoy it! Eliminating the paper products was the biggest thing that added to my bottom line. I probably save 25 a month not using pads, paper towels, paper tissues, napkins, etc. what a significant game changer!
Perfect list, Dana.
I have to get my hair cut at a salon but put it off as long as possible. I gave up dying my hair after 30 years because of the connection between hair dyes and breast cancer (which I had in 2017)...I avoid nail salon visits because I think sanitation is lacking in those places. Thrift store shopping is getting more expensive because they keep raising the prices and you can overbuy because you think you're getting a deal. But yes, it is still cheaper than paying full retail prices.
I also find thrift stores in my area to be more expensive than if I just bought a new item at Walmart or Target or Forever 21. And I agree, that while its one thing to go shopping there for a needed item, many people use thrift stores for shopping entertainment and are spending money they don't really need to be spending.
My credit card with Costco pays for the membership! Why do that? I have only one subscription to Epoch Times... that's it. I stopped hair salonning two years ago, and just put my hair up now. Never go to car washes... but I can stop the weekly lunch out after church, will save $100 per month. I have to cook all the time, and I like the day off from that. I go for walks, no gym... I don't drink or smoke or go to movies... or throw parties or do holidays either. My only outings are to church, grocery store or work... truth is... I only owe on a mortgage... pay off all credit by end of month, and just don't have much, but NO OTHER DEBT. So, the only thing left is to not leave the house til all the food runs out... cause we're STILL BROKE!
don't dye your hair you look beautiful your natural beauty shows well
Even if you one or two things in the budget but every once in awhile instead of every month.
Sams club? $50\yr? Come on now. I save more than that by buying paper goods in bulk for our 9 member household.
I haven't payed for a hair cut in maybe 10 years.and I don't dye my hair either! I'm also not a fan of the chemicals. And I don't get nails done... I don't even own nail polish 😂 I did get girls nail polish for my daughter it's called "piggy paint" it's a water base polish that's chemical free. And no makeup in this household. If I could have anything it would be for woman to feel beautiful without makeup 😊
Amazon Prime has amazing workouts. Far better and more appropriate than gym. We don't drink alcohol at all. Don't like it. Sodas either. My 3yo is in swim class and gymnastics. Again, be my neighbor.
I used gift cards to purchase new work attire after Christmas. In our area the thrift store runs between 2-5 dollars for clothing. Clearance at Kohl's and such was about 1-3 dollars per piece, brand new. It's not always beneficial to purchase second hand.
Try Henna for hair dying - there is a website hennaforhair.com that I use that is awesome. Henna is messy and smells “earthy”, if I color my hair that is what I use. Be careful of henna that has black dye in it as that is harmful, loads of info on that on this website.
Iam so sorry used 🥿 are a strong fungus carrier and diseases
When I was younger (I'm 44) I dyed my hair fancy bright colors myself. I have dark hair so I had to bleach it first to blonde so it would be light enough in color so the bright colors would show up. It was a tedious process and damaged my hair. I was doing it correctly, bleach is damaging in general. Now that I have a few grays growing I'm embracing them. I know I can color my hair myself but I don't want to deal with the maintenance and I want to keep my hair healthy.
Everyone has been silly at some point in their life. I'm saying this because i also dyed my hair fancy when in 20's till age 30. The damage it caused. OMG, luckily i have come to my senses and stopped. I have now grown beautiful healthy long dark brown hair and I'm happy about it.
weed and snacks. twin sirens, calling this weary sailor to shipwreck every goddamned time.
Girl... my husband and wawa... my biggest hurdle!
But Wawa is so 🥰