Last January I decided to go on a spending freeze, not realizing that the first month you move into a new house is a TERRIBLE time for a spending freeze. Terrible. I big fat failed it. So, I’m trying it again. My rules are that I can buy groceries and gasoline and pay all my bills, of course, but that there is no “fun” spending, no unnecessary spending, no “I’m bored and This Thing will make me un-bored!” spending, nothing. I’m still finalizing my 2017 Resolutions, but I know this will help kick-start at least two of them, one about eating healthier (and bringing those healthy things to work for lunch), and one about saving more dollars now that I’m officially debt free.
I have two events in January that will necessitate spending a little money, and my work-around is that I have already set aside the dollars for that in cash. But, for the rest of the month, my focus will be on using what I have, tucking away all the little extra dollars into a savings account, and finding ways to entertain myself that don’t cost money. The gym (ahem, resolutions), some hiking, painting, and riding my bike will be figuring in heavily, especially while the Arizona weather is so nice. I won’t be popping over to Target to “see what they have” or ignoring my healthy lunch in the fridge in favor of something else in the cafe at my office building. Mr. Blue Eyes and I are saving up for something really fabulous this spring, and hopefully that will help me keep my eye on the ball. Christmas just happened, I got spoiled a little with some lovely gifts (a shiny new bike! new books! a wonderful tote bag for work!) and I would like to enjoy those thoroughly.
How do you budget and save money? Have you ever done a financial freeze? Want to join me?