What do you spend on clothes?
5 years ago
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What do you spend on groceries?
Comments (31)In addition to looking at the costs, look at what you are buying, and how much may be excess volume, or just not good for you. Do you throw out a lot of food? Do you eat too much, or too much unhealthy 'food'? What part of your grocery bill goes for snacks? I don't enter the grocery aisle with the flavored water, just-plain-water, carbonated water, sugar-water. Instead, we drink our delicious tap water -- and iced tea in summer. I don't go down the aisle with the salt-laden and fried grain mush products (AKA chips and crackers). We have two favorite crackers that we buy in bulk at Costco; they are packaged in smaller sleeves so they don't get stale before we eat them. I never visit the deli counter, and I don't buy pre-packaged sliced meats or cheese unless it is cheaper per pound than a hunk of ham or cheese. (So...NEVER!) DH came home with a package of sliced ham last week that he said was 'cheaper' . Yes, the *package* was cheaper -- because it was only six ounces. (Would you pay $8/lb. for boiled ham if you knew you'd eat -- or could freeze -- a larger amount that's $5/lb., and better quality?) I won't buy pork products at our local Jewel because they only sell Hormel -- all injected, to make it 'tender'. Yuck. My pay grade isn't high enough to keep me from buying in bulk and spending time freezing two-person portions of chops, chicken parts, muffins, whatever. I used to buy, cook and serve way too much meat. We are not (and do not want to be) still 'growing', nor do we do manual labor. Eight ounces of beef is twice what we need per serving. Same with sweets. DH and I had 'middle aged spread' until we readjusted portions -- and I started skipping those aisles with the poison food and drink. We still have *some* sweets -- in small amounts. We eat less sugar, salt, high-fat and cured meat, and bakery products. Can you circle all the non-essentials in your store tallies and consider where to start your family's 'weaning'? You might eliminate some things, or just limit the amounts....See MoreOT: How do you make a decision to spend a lot of money?
Comments (19)I can't spare you some of the agonizing, but it might help you to separate out one type of concern from another and so maybe whittle down to the real priorities. Since it sounds like you are buying the piano to really play it, and you have the ability to detect differences in pianos and what you like and don't, I would first focus on that--the piano you would most like to play ( that fits in your house, of course!). Holding value (monetary value) has some importance but maybe less for pianos than for cars, say, since most people go through several cars for themselves, kids, etc. and get future benefits from a good trade-in. You might not end up buying the piano that you most love to play if it in fact is so expensive it would hurt your finances in some way. Everyone has some price that is too high--though the number of OO's might vary a lot! Or you might determine that you simply don't VALUE the very best piano. I bought a guitar a while back and I knew I did not need or want the "best" guitar and did not need to impress anybody with how cool my guitar was. Also I am a beginner and knew I might not become a real expert. I did buy a better guitar than I expected, and maybe I should have bought one much cheaper until I learned more, but the price was okay for my finances so I made a "match". If I were actually a good guitar player, I would not hesitate to buy a much better one than I did but again, I think the focus would be on what played the best, felt the best, that I myself got the best sound from, and that might be different for me than for another musician. I am sure that must be true of pianos to some extent. So if there is one single piano you keep going back to because you love how it sounds/plays and you "can" afford it, buy that one. If there are a couple that are sort of equally good but in different ways--and I mean in terms of musical quality, not prestige or later value ( I had that dilemma with guitars) , that is where I would get some feedback from another musician/piano expert. The car price comparison is fine as long as you look at in the right way--you don't value European sedans (neither do I) so you drive something cheaper and buy pianos. For other people it is the opposite and that is perfectly fine. You might enjoy reading some things by Amy Dacyzn (The Tightwad Gazette). She is or has been an extreme saver and re-user and most people would not want to do as much of that as she does. But that was not her main point or her greatest strength. Her mantra was, save on everything that you can that really has no value or benefit to you if you were to spend more; don't let your money just slip away on this and that. Don't buy things just because other people do if you really want something else. Decide what is really important and don't whine that you can't afford it, because it is likely that if you really focus and avoid daily spending traps you can afford a lot of really nice things--just not EVERYTHING. Her deal was empowerment to be in control of spending. Several posters above gave good examples of that. Typical examples that have been used in some budget/happiness books is a person who wistfully says they would love to take a trip to Europe,it's their heart's desire, but just can't afford it--said while sitting on their new sofa that cost $2000. So your situation is an extension of that--there are people who have your same income who actually cannot afford a major piano purchase because they have a huge mortgage and have bought cars, and furniture, and jewelry instead. Which is perfectly fine unless all they really want is a piano!...See MoreWhat do you spend on groceries??
Comments (34)It's just the 2 of us, but we manage to spend about 75 a week. Do you still have PX privilages? Not to hijack your thread but here are some of the things I do to keep my costs down. First, look at your grocery receipts and make a list of the stuff you buy there.. do some comparative shopping and see if the basics are cheaper elsewhere.. other groceries, dollar stores, etc. If you know what you buy regularly and at what price, you'll be alert to buy when on sale. Try store brands instead of national name brands, some are made by the same company. Do more from scratch cooking, you won't be paying for someone's labor. Learn to drink water from the tap, squirt some lime/lemon into it..stop the soda addiction.. snack on something cheaper like homemade popcorn, toss some parmaeson cheese on it.. Check out local library for cookbooks, or online look for frugal foodies...Keep a list on fridge of what's in there and the freezer..so you don't have to toss out leftovers or out of date stuff.....See MoreDo you and your partner have “rules” about spending money?
Comments (31)I only worked for the first 5 years of marriage until the first was born. Up until then we both contributed a certain percentage from our paycheques into the spending acct and the rest we kept for personal expenses. After I quite work I felt like I had to justify every penny I spent - DH was really cheap (I worked that out of him) and questioned everything I spent. One day I just told him that I wanted a certain amt of money every month that I did not have to justify and that he was no longer to tell me where, how or when to buy groceries and that I was in charge of what the kids needed/wanted. I also took over what the house needed and wanted. Since then we have never fought over money. I am not a spendthrift but was better at balancing how money should be spent. The one thing that my DH had to learn, which my father had to teach my mother, was that it pays to buy quality and is cheaper in the long run....See More- 5 years ago
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