gailmom77: (Default)
I have this habit, and have for several years, of thrifting throughout the year for gifts, and then also buying gifts in November for the holiday...and ending up with like 20 gifts for my kids and co-mom.

Not. Exaggerating.

Every year I mean to get a notebook and keep track of who I've already shopped for, and every year I either forget completely, or start to and lose the notebook.

I'm hoping this coming year will be better. I added some shelves over by my gift wrap area so I can use those plus the cabinet above the wrapping center to hold gifts (instead of in a large Rubbermaid I can't see into and routinely forget exists). I also *just now* realized that the cabinet is metal.

So, ya know. I could USE A MAGNET to hang the gift list so I won't lose it. *facepalm*
I'm not dumb, but sometimes it takes a while for my brain to make a connection.

Seeing the list of gifts for each person this year has just driven home that this excess at Yule thing really doesn't match my values. Neither does the "new stuff" shopping that happens right before the holiday; especially so when I already have gifts for that person.

I'm sure if I tell myself "no new things" I'll break that and then some. So I'm thinking "one new thing" purchased right before, so I can be sure and have a something that matches my giftees desires close to the holiday should work.

If I can find the discipline. ;)
gailmom77: (Default)
One of my weaknesses that contribute to money issues and clutter is impulse shopping. This habit is, I've noticed more than usual this holiday season, greatly facilitated by texts and emails with promotions and deals and coupons falling into my inbox.

I'm usually pretty great about just deleting them, but since sometimes they catch my eye and I look through to "see if there is anything I need" I think it's time to remove temptation from my inbox. I still have apps for the ones I most often frequent for an actual pre-determined purpose, so I'll be able to pull those up if I need to check for a coupon for a purchase I'm already making.

This evening I sat down with my email and a piece of paper and went back through emails to see how many I could easily unsubscribe.

So now my inbox will no longer have:
Khols
Loot Crate
23 & Me offers
Motorola
Office Depot
Hilton Grand Vacations, also Hilton Honors
Pet Mountain
Uber
Early Bird Books
Humble Bundle
Hot Topic
Good Yarns
UPS (except print coupons, since we routinely use that service)
Amazon Kindle Deals
eBay
PetSmart
Chewy.com
Coupons.com
Walgreens
Pet Mountain
Grandin Road
Harbor Freight
Ulta Beauty
Audible
Redbubble
Elanco Animal Health; I don't even know what this is

That still leaves JoAnn, Micheals, and Target but I was having trouble with those tonight so I'll tackle them on another night when I have some more oomph to spend.

Also removed myself from mass emails from 23 & Me research updates, my bank, the shelter we volunteer with, and the rescue we used to volunteer with, on the assumption that doing so will only remove me from mass mailings and not actual personal emails about needed help or scheduling.

I need to figure out how to get Target and eBay to stop texting me offers, then things should be a bit less messy and tempting.

It wasn't until I was going through, unsubscribing, and writing down which one I'd just done that with (to avoid trying to unsubscribe twice from the same place) that I realized just how very very many I've been getting!
gailmom77: (Default)
I'm not sure what it is but recording money stuff goes well for a while, then it just...falls by the wayside. Inevitably this leads to an error that either overdraws my account (thank goodness for a credit union that doesn't charge me the first time that happens) and then I "need to catch up". And catching up on a month or more worth of missed quicken entries is a nightmare.

I know in my head that if I just do it once a week it's easy. Somehow that just doesn't seem to consistently translate to doing the thing.

Now I have 94 emails in my unread inbox, and 91 of them are receipts for orders that haven't been recorded in my Quicken file yet.

I'm not sure why I *can* be great with money; I have been in the past good enough at it to have a rep for being able to stretch a budget within an inch of its life, but somehow I just...don't now.

This is a thing to work on with a lot more focus in the coming year. I suspect that I could "downsize my stress" quite a bit if I can put effort into getting back to the place I KNOW I can be if I just can get back into the frugal penny-squeezer habit that I had when I was married and our money was shared and scarce.

Stockpiles

Dec. 16th, 2019 09:37 am
gailmom77: (Default)
As I prepare for 2020 and my efforts to not buy new things except when required, I've been looking around to see what I have stockpiled. The goal is to make a list in Any.do for when I go to the store, so that if I see a good deal on a toiletry or food item and am not sure if I should pick it up, I'll be able to check.

This list is not exhaustive yet, because I haven't really dug into all the nooks and crannies, but here's what I have so far:

-shampoo and conditioner
-body wash and face wash
-soap bars (omg so many soap bars)
-toothpaste, toothbrushes, and floss
-a variety of carpet/upholstery cleaner
-way too many crock pot sauces, and the frozen meat to go with them
hot sauce. I don't even eat hot sauce (thanks, food pantry)
-right now I have a crazy amount of tortilla chips
-dried fruit
-chicken noodle soup
- storage containers. I have this tendency to pick up cool containers at the thrift store. While this is a handy thing while working through konmari I really really need to stop for a while.
-Tupperware. why do I have this many?!?
-garden pots (!) I feel like, since I'm cutting down my gardening severely this next year, in the face of not being able to keep up with it this year, I should pass some of these on in addition to not buying more. (combo of meds has me sensitive to sun and heat) I do not promise not to liberate them from garbage piles, but I will endevour to do so for the purpose of passing them along; via Lowes or through FB marketplace giveaways. Other option: sell them with baby aloe in them come Spring, when it's easy to pull out babies.
-embroidery floss. Mom supplied me with lots.
-jars and glasses for crafting. and beads. I keep collecting them without actually picking up the craft I was collecting them for!
-Dvd's and books. I have some of each I haven't watched or read yet.
-CLOTHING. with the exception of jeans that fit, I really really don't need more. I do, in fact, need less. It's first on the list for Konmari though, so that will hopefully help.
-nail polish remover and nail polish and various accessories for same (!)
-office/school supplies. Unless the kids need a specific thing for school that I don't have, I really need to stop taking advantage of sales. Also would be smart to go through and either sell or give away those items that they were using in elementary school but the schools no longer require of them now that they are both going to be in high school. Add in that the last two years the schools have actually provided the teachers with composition books for all their students and there really is no need for about half of what is in my closet. and I could use the space.
-journaling supplies. I have lots. as tempting as washi tape and cute notebooks and stickers are, I really need to use what I have before acquiring more.
- wrapping paper and gift bags.
-packing boxes and material. On the fence with this one. If I start ebaying some of the items I have put aside for that, I'll need the small boxes and the packing material. The big boxes work well for loading donations; which I'm hoping to have plenty of. In the past there was no reason to save these beyond what Scott wanted, but if I"m not buying new as often, the influx of boxes should at least slow to a trickle, or even stop. Might be wise to keep them and use them for those things.

It's also time to go through some things that are past due for sorting; return boxes, for example. Many of the things in there are long past the return date or warranty.
Also the mending pile. Most of those things have been in there for over a year. Either I need to start mending things, or they need to be repurposed.

I'm sure there are other things, but for now I think that list demonstrates pretty thoroughly that I have plenty of "stashes" that can help me not buy new for quite some time.
gailmom77: (Default)
One of the things I'm beginning to work on, with plans to ramp up into full production come 2020, is getting back to buying or finding second hand as much of what we own as possible. It's good for the budget, and the environment. Plus it makes me feel satisfied and, dare I say, a bit smug, when I can tell people the thing they just complimented came off the street as a curbscore, or was a lucky find at a thrift store, or that I got a good price secondhand from a stranger on the internet.

I've moved far away from that and let's face it, it's *really easy* to find anything you want at a moment's notice now. Viva le internet. That's both good for those of us with mobility issues, and terrible for those of us with impulse control issues.

My budget was strained and stretched and shot in the head over and over this year and by now I"m scrambling to pay bills, and I shouldn't be.

So it's time to move back to hunting for things we need, instead of just popping credit card numbers into a screen or pulling up to a big box store full of distracting temptations.

Obviously some things can't be purchased used. Food comes to mind, and toiletries. BUT I have quite a bit of many things that we can work our way through before buying new. I'm not going to make my kids suffer for this project, so while things we can use up from here are great, if my daughter runs out of the facewash that works for her teenage acne, I'm not going to make her use other things that may not work as well. There are plenty of things where brand doesn't matter though and that I have stashes of. Using those instead of buying "our favorite brand" will be good practice in the art of saying "No, I already have some, ignore that sale/coupon"; since we already have a thing it isn't going without, and doesn't involve delaying access to the thing.

Mostly that's toiletries, but also some cleaning supplies, and definitely plenty of pantry and freezer food. Partly that stems from using food pantries to supplement our food budget, but part of it is just choosing to walk the easy road of getting the couple dozen things we like best to eat and not getting creative with the food we are given that we wouldn't have purchased on our own.

Unfortunately my "buy it now" habits are kicking in and I'm having to fight the urge to buy things to help us cook better food as quickly as the convenience food we use; sandwich presses, and bacon stands, and pasta cookers, and egg makers for the microwave. Cuz...ya know...microwave. I'm resisting, but I"m probably going to put some of them on my wish list.

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gailmom77

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