Sometimes being an adult can suck. The BF and I had our finances talk last night, we are ok and will be able to pay the bills. However, I have to think of ways that I can save more. I kept a spending log in August and found that most of my money goes to food, groceries or going out. Gas and random shopping was second on the list. So we've cut going out to eat and with the gas prices falling the fill ups are a wee bit less expensive. I am also taking public transportation a bit more rather than driving to save on the wear and tear and gas costs. We've also discovered a local grocery store that we are able to get our staples at a lot less than the major stores for the same items. So we are going to do most of our weekly shopping there. I am not as big as a shopper as I used to be so at least I do not have to cut that out.
To add to that, I have been paying off my student loans which I have reduced by consolidating but I added years to the repayment schedule., I am seriously thinking about how to get extra money just to add to my savings account. I have considered getting a second job (just don't know where or what to do) and selling some old jewelry that I never wear. I am also thinking about selling some of my paintings. I am starting to think about my job and how I can leverage that to get a raise or another higher paying job.
We are fortunate that at the end of the month all our bills are paid and still have a few dollars left. Other than the car payment, the student loans and the mortgage, I have no debt. I pay my credit card off every month. It is just I am not at the point I want to be with my savings account, I like to have a set number and I am falling short.. I also don't know if (and when) we can afford the wedding that we are talking about (no we are not engaged....yet) and that stresses ,me out needlessly.
With the holidays around the corner, I am thinking of what and how I can get gifts. I've decided to start shopping now so that way I can but items here and there without the major January bills.
Or I can win the lottery (attention Lottery gods!)
So, with things the way they are, what are you doing to save a few bucks?
On the flip side, after our serious adult conversation, I made pecan banana pancakes for dinner. So sometimes being an adult can justify the need for such a treat.