10 things not to splurge on

10 things not to splurge on

Let me share with you a list of 10 things that are just not worth the splurge. These savings certainly accumulate and become quite significant over time.

1. Tickets

Who doesn’t love a good night out? Maybe to the theater or a concert, perhaps even the movies. Let me tell you something, there are so many promo codes out there that I feel bad for anyone paying full price. Keep an eye out for these deals, often you’ll find them on group buying sites such as Groupon, Team Buy, Deal Find, Wag Jag, Living Social, etc. Tickets get cheaper towards the end of a run which can be a great time to score some deals too. In some cases you can find tickets up to 40% off the original price.

2. Garbage Bags

As environmentally conscious as I am, and as much as I try to always have reusable grocery bags with me, somehow I still end up with tons of plastic bags. I find solace in the fact that these seemingly useless plastic bags become my garbage bags, thus saving me from ever having to buy them.

3. + 4. Birthday Cards + Gift Bags

Personally I enjoy making cards for my loved ones, but I’m not suggesting that as a way to save money. In fact, if you factor in opportunity cost hand-made cards are considerably more expensive. What I am going to propose is a trip to the dollar store. I never understood what made a $5 bag better than the one that looks identical to it but cost $1.

When it comes to cards I find that a lot of people don’t really care or appreciate a store-bought card anyway. They will read it, remove the money if it contains any, and the card will find its way to the garbage shortly after. Spend the $7 if you please, but the dollar store does the trick just fine.

5. ATM Fees Read more

How to Have a Cheap Christmas!

How to Have a Cheap Christmas!

I love Christmas! Even though it’s cold it feels so cozy and festive. The spirit of giving seems to prevail and random acts of kindness become more prominent. It reminds me of a simpler time – when my parents took days off work to spend time with us during the Christmas holidays. To me Christmas is about family – whether you celebrate Christmas or not this time of year is truly magical.

There can of course be a lot of pressure around this time as well – to get all the right gifts, not to forget anyone, to decorate your house, to get a beautiful tree etc. Not only is it a lot to do but the costs quickly add up, and many of us want to be able to donate our time or money to charity too. So how do you keep it in check?

#1. Budget

Have a budget in mind before you begin to shop. There are a lot of options, and if you comparison shop or simply don’t buy on impulse you’ll save yourselves a lot of money. Know what your budget is and how you plan to allocate it. For example when it comes to Christmas trees there is such a range in prices! Some people might be ok spending $200 on a tree, some might think $50 is the true value. Personally, I found a beautiful 6 foot pre-lit Christmas tree at Wal-Mart for $20! I feel pretty good spending $20 on this baby!

our Christmas tree @splattershare

#2. DIY Read more

Save your money – how to NOT buy shoes!

Save your money – how to NOT buy shoes!

I went to a shoe sale, and I bought… nothing! So why am I writing about this? Because the skill of holding back and stepping away from a sale took years to acquire.

I used to buy shoes for the mere enjoyment of witnessing my shoe collection expand. The more shoes the better, right? Unless you’re putting on a shoe exhibition wrong. I never wore all of the shoes that I owned. Some I kept even after they’ve served their time, others were impractical and I never actually got real use out of them (wearing them to dinner once and complaining the whole time doesn’t count).

As I get older I start to appreciate the utility of a shoes, instead of just hoarding them. Yes the shoe has to be hot but I have to either be able to wear it to work (and survive), or wear it out and not be the girl whose feet hurt. What’s the point of having shoes you don’t wear? I would rather have less shoes, and buy new ones as needed, instead of having a giant collection consisting of shoes I don’t wear, or don’t wear anymore. So as always, efficiency is key. If you wear it keep it. If you need it, buy it. Otherwise stay away.

I don’t think I’m the only one who enjoys a good sale. But the key to buying anything on sale is to buy items you love enough to pay full price for. There’s no point in buying crap you don’t love, doesn’t fit well, or doesn’t make you feel good about yourself just because it’s on sale. Believe me, based on years of experience it will not become more comfortable, your toes will always be squished in those shoes, and just because you fit into it doesn’t mean it fits you.

Read more