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re: What tricks do you use to spend less money?
Posted on 4/27/26 at 9:36 am to Roy Curado
Posted on 4/27/26 at 9:36 am to Roy Curado
quote:
I know of a few couples that are Dave Ramsey-ers and they live very frugal and well below their means (too low and yes there can be such a thing). I should have clarified that I am not talking about the "living paycheck to paycheck" financial stress but rather the over importance of everything Ramsey teaches like "avoid debt like the plague" and "outrageously generous" "pay cash for big purchases" etc. I see those principles make people my age pull their hair out and causes unnecessary stress.
People love to complain about it but society would be so much better off if everyone lived this way.
0
Posted on 4/27/26 at 12:02 pm to Cajun75
quote:
This may sound oxymoronic, but if you're a Christian, make sure you are tithing. God won't be outgiven, and if you're doing it with faith and the right motives, He will bless you in ways that you can't imagine. I've personally experienced this for 50+ years.
I'm Catholic, but this is one of my many problems with the Church. God doesn't want your money, the Church does.
Posted on 4/27/26 at 12:28 pm to Popths
quote:
Give up alcohol.
Posted on 4/27/26 at 2:46 pm to TIGERSby10
quote:
I'm Catholic, but this is one of my many problems with the Church. God doesn't want your money, the Church does.
St Vincent DePaul and Knights of Columbus do amazing things in the community.
My wife works for an organization that networks nonprofits, and she sees how the St Vincent DePaul Society does more with less everyday.
They are exactly what a nonprofit should be and worth a tithe.
Posted on 4/27/26 at 3:13 pm to AndyJ
Biggest change has come from building a budget and creating a checking account for spending, separate from the account that receives direct deposits. Don't use credit cards anymore, and have four accounts. One, the direct deposit account for bills, one HYSA for emergency fund, one for sinking funds (vacations, christmas, etc) and one for spending.
This post was edited on 4/27/26 at 3:17 pm
Posted on 4/27/26 at 6:48 pm to Thebuzz
quote:
Drive reliable and reasonable vehicles.
I have a Jeep. I’m out…
Posted on 4/28/26 at 9:29 am to tigerbacon
I pay everything with mine. I get cash back and use that for one big purchase a year. I pay it off every day though. I wish I could pay my mortgage with it. It would get a ton back. I use my Amazon card to pay my membership and build a balance at 5%.
Posted on 4/28/26 at 10:31 am to AndyJ
I compartmentalize all of our money.
When our pay checks hit our main account, it’s basically just an operating account and almost everything gets sucked out of there asap before the money can be spent.
We don’t leave much in our main checking account and that is by design
When our pay checks hit our main account, it’s basically just an operating account and almost everything gets sucked out of there asap before the money can be spent.
We don’t leave much in our main checking account and that is by design
Posted on 4/28/26 at 10:33 am to tiger94gop
quote:
I pay it off every day though.
Is there no free grace period?
Why not just auto-pay in-full monthly? Same thing but more efficient, no?
We have used CCs for most everything and auto-pay monthly for decades. Never a finance charge (financial wealth building cancer) or fee, ever.
CC or not, spend per your budget / living below your means (or at means at most) is wealth building formula (or not wealth destruction formula).
Posted on 4/28/26 at 10:50 am to AndyJ
I haven't paid for a haircut in 25 years.
Buzz cut.
Wife has not been to a beauty salon since pre covid. She cuts her own in front of a mirror.
Buzz cut.
Wife has not been to a beauty salon since pre covid. She cuts her own in front of a mirror.
Posted on 4/28/26 at 10:58 am to AndyJ
My wife and I pick one week per month to not spend money on anything other than gas if needed.
Posted on 4/28/26 at 11:21 am to Everyday Is Saturday
quote:
I pay it off every day though.
Is there no free grace period?
Why not just auto-pay in-full monthly? Same thing but more efficient, no?
Yea, i'd agree paying it off daily just seems unnecessary. Obviously if it works for someone and helps them not overspend on their CC, go for it, but just extra work. You can pay the balance off mid statement period and then do another payment for the end statement period when it posts, which will help keep your overall utilization % down which can help with people's credit scores.
Otherwise, as long as you are capable of staying within your budget which you'd still have to do using a debit card or any other method, I just pay the statement balance when the statement posts once a month, you aren't going to incur any interest until after the statement due date, but I usually just pay it immediately when the statement posts. Treat the card like a debit card as far as how much you can use it for.
Posted on 4/28/26 at 11:26 am to TIGERSby10
know how I can tell you don't read the Bible?
quote:
I'm Catholic
quote:
God doesn't want your money,
Posted on 4/28/26 at 2:06 pm to faraway
I boutght two new vehicles. 21 and 23. The difference in a 4-5 yr old low mile was not enough to justify not buying new.
I didnt get someoen elses problema and I had a warrenty. The two previous vehicles I had has for 20 and 16 yrs each. I cant see paying 15-20 percent less for a used vehicle with no warrenty.
I didnt get someoen elses problema and I had a warrenty. The two previous vehicles I had has for 20 and 16 yrs each. I cant see paying 15-20 percent less for a used vehicle with no warrenty.
Posted on 4/28/26 at 3:44 pm to AndyJ
Pay yourself first.
Most wait till they see how much money is left over from a paycheck or for a month, then save/invest the rest. A habit of saving/investing a specific amount as soon as you are paid can build your next egg and keep you from spending as much on optional things.
Most wait till they see how much money is left over from a paycheck or for a month, then save/invest the rest. A habit of saving/investing a specific amount as soon as you are paid can build your next egg and keep you from spending as much on optional things.
Posted on 4/29/26 at 4:43 am to AndyJ
Friday Only Amazon
My family was ordering way too much stuff on Amazon that we allegedly “needed” so I mandated we only order on Fridays. If you still think it’s needed on Friday, then go ahead.
My family was ordering way too much stuff on Amazon that we allegedly “needed” so I mandated we only order on Fridays. If you still think it’s needed on Friday, then go ahead.
Posted on 4/29/26 at 12:27 pm to LSUfan20005
I have started buying a few things "New With Tags" on Ebay. Picked up 2 - Ralph Lauren Polos for $20. Bought some Ray Ban aviators for $50. Bought a $300 tennis racket for $160, etc. etc.
I also use the slickdeals app and always check there before I buy anything to see if it is discounted elsewhere.
I also use the slickdeals app and always check there before I buy anything to see if it is discounted elsewhere.
Posted on 4/30/26 at 5:44 am to AndyJ
Be content and don’t compete with others.
Posted on 4/30/26 at 9:18 am to AndyJ
quote:
If we can’t pay cash for something, we can’t afford it.
This
Posted on 4/30/26 at 9:30 am to baobabtiger
quote:
Be content and don’t compete with others.
This!
Take this up a notch. Be you and don’t let others control your actions.
Financial independence is glorious. Don’t let others take it from you.
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