Thursday, April 14, 2022

Thrifty Thursday- No Sacrifice Saving

      There's all kinds of ways to save money and multiple and varied reasons to do so. For too many it's not a choice. I recognize many of my Thrifty Thursday posts come off tone deaf. We have above average incomes, though still have a child in college that we pay for beyond her scholarships. I'm not trying to presume cutting out meat from one meal a week and meeting up for Happy Hour instead of dinner out is a solution to low wages or dramatically low fixed incomes. I know conserving pennies is not a sport or game to many; it's a necessary way of life. Using Kohl's cash on $65 shoes might sound glib to someone relying on finding decent second hand shoes, and I apologize if any stress is caused. My posts are to help me stay on track in recognizing when I've done some small economy without sacrifice. If it's useful or interesting to others, I invite them along. 

     Money saved helps me direct funds where they deliver better value. Often, it helps me increase my giving to or on behalf of others. That's not necessarily the most altruistic way to do charitable giving. While I have some recurring donations, our church and local food shelf as examples, we don't tithe specifically a set portion of our income. We do a quarterly giving plan, but it varies, though there's a minimum. With DH's earning variables, adding donations when we have more means works for us.  Finding ways to have the maximum quality for the least spent, but not by being cheap, or negative impact on others is a challenge I like. I hope I'm doing so in ways that  push back on run amuck consumerism and waste. 

     My saving and giving philosophy aside, here's my short list of sacrifice free ways I practiced thriftiness.

  • Bought the Easter ham for $1.19 a pound. This will be for 16 people. This was the best price I saw.
  • This was perhaps thrifty or not, but helped my friends Autism Acceptance fundraiser. I bid on two baskets, one with dog items, and the other for a local coffee house. I ended up with both baskets. The coffee one had both a pound of Peace coffee, delicious, travel mug, choclate beans, a candle, and a box of gourmets truffles that will go in DD2s Easter basket. Pup was not a fan of the new friend in the dog basket. Funny thing about the pet basket, another friend donated it from one she won at another auction. She really only wanted the dog car seat cover that was originally in her basket, and her dog hated the stuffed dog too! A short clip of pup is at the end of the post.

  • Shopped our stash for new deodorant; saved both a trip into another store and risk of things flying into my cart.
  • Strayed from last week's meal plan, but incorporated  leftover meal items using a roll forward ingredient method as I posted yesterday.
  • Ordered hold from the library on Book Club book, Good Eggs for my book club read. I'll pick it up after work.
  • Free entertainment this week was an oldie that I think I might have seen but didn't remember called The Lake House with Keanu Reeves and Sandra Bullock. It was an out of time sort of pen pal romance. 
  • We got another cold front. I made a crock pot full of chicken noodle soup and used the last of some carrots from a bag, plus, onion, and celery. I froze 1/2 the soup. I'm totally out of chicken now,  bought back in February, so will be on my next Sam's Club run next weekend. We'll just not have chicken meals until then.
  • In the splurge/ not splurge category, I spent $8 on a silicone microwave corn popper. While I've been making stove top, I'm trying to find ways to add snacks that both help me feel full but are low calorie. I put salt in with the kernels before popping and while it's not rich and buttery, it has the salty crunchiness I crave for just 30 calories a cup. I can eat half the batch for under 100. 
    Popcorn for movie nights again!

  • DH is depositing the max we can contribute for 2021 to our Roth account today before the deadline tomorrow. It makes sense rather than keeping in savings, if we can leave untouched while the market corrects. We all know there's nothing accruing in standard savings accounts.
  • I've been diligent about turning off lights and appliances not being used. I still need to get better at the vampire power drains an unplugging things. I am horrible at leaving my phone chargers plugged in. 

     I'm below average in the household budget even with buying the ham and massive numbers of canned green beans for the casserole, a must for our holiday table. Our daughter will be home later tonight or midday tomorrow. We'd like to take her out for a fish dinner, her favorite, so happy to economize elsewhere. She can even have a beer with her dad now. These were our ways we skimmed money to either stay on or reduce our budget to make room for things that were more important. How did you do this week?



31 comments:

  1. Power strips on timers for those phone chargers. I am tempted to put on on Hubby's laptop but he will get up at 2-3 am and do his computer work for the business then take a nap before starting his day.

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    1. I could try that, but I move the cords with me.

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  2. Pup is just in protection mode with that doggie danger. lol

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  3. As you probably know, I think it's important for all us to prioritize how to spend our money. Both so we understand the value of our spending, invest in the things that matter, but also so we can help others more effectively.

    I had a few small wins: a free COVID test (I was exposed at the office last week by my office mate), saved $25 at the grocery store using rewards, helped the kids with their financial stuff - direct deposit for jobs, setting up custodial Roth IRA, etc.

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    1. I have a small stack now of kits to use before Easter to be sure. I've tried to do the $$$ lessons with my kids early too.

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  4. Pup is so cute, and too funny about the dog toy.
    Thanks for the reminder about the Roth deadline.
    Hope you have a blessed Easter.

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    1. You're welcome. He does not like that dog here at all.

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  5. I think showing how and that you do save, even with above average incomes, shows that is how you build and maintain wealth/savings. I accidentally ordered a 4 pack of my dh's deodorant, not realizing he already had one in his cabinet. He'll be shopping out of that stash for years, LOL. After having our excess of Christmas lights (LED) plugged in for 5 weeks and only a $20 increase in electricity bill, I've decided I'm not stressing over a few appliances plugged in or a light left on. It's pennies, for the most part. The biggest use is our heat and that's really the only place we could try to adjust (and be cold, LOL).

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    1. It's savings dollar wise, but I don't like the waste idea for power too. Utilities have skyrocketed here

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  6. Pup is so cute trying to protect you from the intruder.

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    1. I feel so safe with him as my guard dog.

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  7. I love the video of pup! She is so cute - "Mum, what is this thing??"

    It's good to acknowledge our own privilege, even when we are doing money-saving things. I am on track with my savings and spending, with three of my friends' birthdays this month, including a 50th birthday limo ride - dividing those costs up helps, and it's a nice splurge. We're really lucky - my husband got a new job that pays a LOT more, so we're socking away more for retirement.

    Have a good week, Sam!

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    1. If I was a millionaire I guess I'd still pay attention. It's just ingrained. Good for you being able to save more now. It's so helpful to know where to prioritize any new funds.

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  8. We eat everything with no wasted food most of the time. Occasionally, something hides out, but not usually. I also get a food box from a giveaway. Other than the two recliners, we never buy stuff. They were a medical necessity.

    Eliminating vampire power will never make a difference in home power bills. It is the collective savings of power for all of us that will make a difference in the world. It will work!

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    1. I think avoiding waste in general, food and power even if my personal savings is minimal is still important.

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  9. I chuckled at Pup. My oldest cat Sasha,who passed in November, used to love fighting with a stuffed dog. He'd kick the living daylights out of that thing.

    It's a no spend week so far, as I haven't left the house. I have been doing some repairs and painting in the basement using products I bought two years ago when the upstairs was repainted.

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    1. Pup loves long dog toys that he can shake. This guy probably seemed too real.

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  10. I think pup is telling you to get that intruder out of his house - now! We are watching (we, being me and the cats) huge fat snow flakes, blowing every which way and flying at the windows, looking to be captured by the ever vigilant master of the house, our ginger named Jupiter. I, on the other hand, am looking for Spring. Ranee (MN)

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    1. My daughter said it was really bad driving home, but the cities worse than near her school. I'm so over springter

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  11. I laughed out loud at the pup and when Roscoe heard the barking he came running in, "like what's going on Mom?" I totally agree with your way of spending money. I had way too many years of having nothing and scrimping and doing without. Now I want to be out of debt, I want to have saving, but I also want and need to do.

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    1. Two dogs saving us from the blasted blue dog! Balance of all things, right?

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  12. You impress me as someone who knows what they are doing and saves sanely, and is successful in pushing back at excess consumerism! I am thrifty but it does not come naturally to me, so I always work at it and pay close attention to spending. I appreciate reading what you, and others, are doing and getting ideas. Celie

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    1. As I see so much stuff even after purging, it's clear I've not always been conscious of so much buying.

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  13. You've shared some useful ideas there thanks Sam
    Arilx

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    1. It keeps me thinking for sure but if an idea helps someone else I'm glad.

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  14. Oh your pup is so cute! He certainly dislikes the intruder/competition.

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  15. I was reading just yesterday how many restaurants are still struggling here in France even though they lifted the "vaccine passport" a month ago. Part of that is because people simply will not go back to restaurants that made you show your pass and partly because I think people learned how to have friends over and eat and drink a lot more cheaply at home when the pass was imposed. Same thing with buying cheap and cheerful clothes (I hope). Do we in the west really need so many clothes? Or is that just me becoming a slob after retirement and finding the "baggy sweat pants and no bra look quite becoming"?

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    1. I got rave compliments in my attire the other day- just a black turtleneck and my hair nicely back. Standards have declined! I hope people start adding back more dining out, but yes, definitely fun and affordable to gather at homes.

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  16. Love your Pup video, what a cutie!
    I take thrifty as a lifestyle choice, saving the pennies here and there to be able to splurge on other things. xxx

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