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It's the little things

January 10th, 2017 at 02:08 pm

So I've added Ibotta and more recently checkout51 to my phone. What other little things do you do to help save money?

My biggest money maker this year was my refund from the costco credit card. Bigger than I've ever had from am express.

Learning to manage money

July 25th, 2015 at 12:42 pm

I grew up in a family where we didn't value stuff. It was more about valuing experiences and people more than keeping up with the Jones. Both of my parents were social workers and thinking of others was important but so was living the life we have chosen versus trying to be boastful or prideful. It would seem that our family was religious based on our judeo christian values but religion didn't come into our family until later(another story and only includes some of my family).

My parents gave us allowance and I often spent it as soon as I got it as a child, usually on sweets. My parents (or maybe my father specifically) really believed in children developing their own autonomy so as children we were able to make a lot of our own decisions. My mother didn't work until we were all in middle school so she kept expenses down by doing more (home cooked meals, gardening and etc) instead of buying more. When she went back to work, all the family pitched in for housework because her extra paycheck would allow us more luxuries. I don't know how they did it because I saw my late father's Social Security Statement for his income and it was never above 40k. This was very surprising.

I started my first job(waitressing) when I was about 16 and used tips for spending money and banked all my paychecks. I usually always had some money in a savings account. I lived at home until I finished my 2 year degree. Within 6 months of completing my 4 year degree, I was pregnant and married. We lived in low income housing for a couple of years and then with the help of my family, purchased a home. When my son was born, I expected to go back to work but when he showed up, I fell so absolutely in love with him, I couldn't. Daycare would effectively zero out my wages so it was more worthwhile to me, to learn to live on one income. Thankfully, Amy Dacyczyn of the Tightwad Gazette helped me through those lean years. It also helped that I could delay gratification very well. I learned how to stretch money based on watching my family but also being motivated(public library is your friend for research!) to stay home with my son when he was a baby.

Speaking of Amy Dacyczyn, I just came across this blog post about one of her now adult daughters about growing up her family. It's very interesting to see her perspective then and now. http://thefrugalshrink.blogspot.com/2013/05/dacyczyn-interviews-jamie-part-1.html

I do think I was very lucky to have already been ok with a lower cost lifestyle based on what I grew up with. We went camping, to the library and to free events at museums or in the parks with our picnic lunches instead of hotel vacations, cable tv, restaurant dining and the like.

How did you learn to manage your money?