One of my main goals for the year is to save money and pay off a significant amount of my debt.
I have great credit and by default, not learning from mistakes, I have a lot of credit cards with significant amounts available to me. Often this makes me say “oh I can spend that money, I’ll just put it on my card”.
The next month will focus on only using cash (actually physical cash and my debit card) instead of putting anything on credit. Hopefully this will help me lower my debt and make me more conscientious of spending habits.
Since buying my house I always seem to go to Target or Walmart or some other store where I can get home goods, plants and home necessities. Often, however, I forget what I actually need or would like to make my house complete.
So today, I sat in my house (still sick 🤢), and looked around, thinking of what I want or need. Slowly, I made a short list and found things on Amazon that I prefer.
I do not use Amazon often, usually just to buy gifts for others, but I do think this is a great way to get my thoughts together and maybe put a budget together to start getting some of this stuff.
You can check out my list here. If you have suggestions of things to add or things that are like the items I have but better or cheaper, I’m all ears.
My social media positivity today was:
“A creative man is motivated by the desire to achieve, not by the desire to beat others.”
This may not sound difficult to most people. Or maybe it sounds really hard. But making a plan and sticking to it can sometimes be had. I can attest to that with the failure of my 365 Things List in 2017. But let’s not talk about that right now, since today is day EIGHT and I am attempting to keep going strong!
So today, I researched some recipes I like, wrote down all the ingredients, thought about some other snacks I enjoy or typically eat, and made a grocery list! Then off to the store I went and wouldn’t you know… I just got what was on the list. Of course, I came across stuff every so often and thought, “well, I would like to have that”. But I stayed the course and made myself just get what was on the list.
Often with these tasks, I research the benefits and there are usually long lists or lengthy articles, like this one from the HuffPost: Grocery List, Supermarket discussing all aspects of the act. Pinterest even has a whole section of “Supermarket Lists” that you can download. So there are plenty of resources to help you long the way. All I have to say about this simple task is:
The benefits of making a grocery list and sticking to it:
Saves you time.
Saves you money.
Keeps you on track for dietary goals.
It is that simple. And simple it was. What an easy, but beneficial thing to do!
P.S. I found the featured image on Google and that was by far my favorite… all the essentials, FRUIT-BREAD-MILK-WINE-SUGAR-BUTTER!
The New Year is here!! I hope everyone enjoyed their festivities and celebrations.
Like I said in my last post I am giving this 365 things another go. Some things I am going to repeat from last year because they were great for me, other things will build on things I did last year and some are brand new.
To kick off the year I am building on a thing from last year. Last years I downloaded an app called Acorns. It automatically moves change from accounts that you link to it into an investment account. After starting it last year I tapped into a couple times to use some of the money.
My first full thing for the year is to not touch that money at all for the entire year. A big task but I think I am up for it.
The last couple years of my life has been all about saving money, investing money, and getting my stuff together to buy a house.
As I work harder and harder to make this happen I came across this app that rounds up transactions from my checking account and puts them into an investment account.
It is similar to what my savings account does, however, I like this app because it separates my money to a completely different place. My savings and checking are linked, so at any time I can transfer money over to my checking from my savings. This makes that harder.