I am not always aware of what I’m spending.I thought sure, why not? But then I thought, “Oh shit…” how can I build a hidden (aka savings) fund if I have no spending money to save? The last time I built a good hidden fund my allowance was $75 a week. At first, I did agree readily to this no buying plan.I look forward to a day when I do not waste a lot of my weekend shopping, and when I truly realize that having one more thing won’t make me any happier. We’ve been trying to make improvements for some time now, and have succeeded to perhaps a larger extent than many of our peers, but the change does not feel like enough. To Walk Our Talk More- Bear brought up this one.Why can’t I also be innovative and learn to create what I need from what I already have? To Be More Innovative- There’s that well-known saying from the frugal women of the Great Depression: “Use it up, wear it out, make do, or do without.” I notice this doesn’t include a “buy it” option- even if it’s cheap or used.I will catch up on my pile of unread half-price books, reupholster the chair and love seat with that $250 worth of half-off fabric still sitting in its original box, and finally replace the two boards in our bathroom floor that we had to rip out two years ago to put in the new, water-saving dual-flush toilet. To Use What We Already Have- If we aren’t buying anything new, maybe I will finally use what I have.By not accumulating any more, I hope to find there is room for more simplifying in my life. I also think of people in other cultures who can carry everything they own on their backs, who would think any American was rich (or crazy) when considering the volume of stuff we accumulate. I can’t begin to imagine what that number would be for me if I counted every last thing in my house (and sheds, and basement…).
But I recently watched a video about the tiny house movement, and the woman who was being interviewed had counted how many things she owned, and I think it was less than 300. I don’t think I’m a pack rat- I go through my things regularly and get rid of what I don’t find useful or beautiful. To Simplify- I’m tired of having a lot of stuff that I need to take care of, even if it’s stuff that seems worth while.Then some of our new purchases clutter our house for weeks before we find a use or a place for it all. However, we notice that during garage sale season we still look at shopping as a form of entertainment, and we go a bit crazy impulse buying more than we need (because it only costs $1!). We like to think we aren’t part of this cycle because we haven’t seen the inside of a mall in years and buy mostly used stuff. To Break Out of the Consumer Cycle- We work to make money, then we use that money to buy things.We’ve tried different ways to track our spending in the past, which is a basic step in becoming aware of where your money is going, but haven’t had the stamina to record every last expenditure for long enough to recognize our impulse spending patterns. To Become More Aware of What We Spend Money On- I want to learn the difference between what I want and buy on impulse, vs.Saving money so we can get rid of our debt is a step toward this dream. That is, I would like to work at what I love, but not have to worry about whether it pays the bills. Although I like my job, I dream about not having to work for a living. I recently got a raise, and I would like to be sure that the extra money goes toward paying down our debt, rather than disappearing into our routine spending. We have our first significant credit card debt, ever. To Save Money- Although almost everything we buy is used rather than new, and when I read a book on penny pinching I don’t find anything I haven’t already tried, we are in the worst financial shape we have been in since we combined our money over a decade ago.We discussed several reasons for trying our Buy Nothing Challenge:
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