Friday, June 25, 2010

Poor, Poor, Poor

Dirty Little Secret for June:

We have champagne taste on a beer budget. As a result, we've been dipping into our savings for like- oh, say the last two years- which is never good.

As a result, we've finally found a budget that should work for us (after trying several). What have I learned from the last month in the poor house?

We spend entirely look much at the "Marts." You know what I'm talking about. Walmart, Target, CVS, KMart. It's actually sickening. Do I really need $400.00 worse of household items each month? It's doubtful. I wish I kept the receipts because lord knows what we purchased.

Ladies, tell me your secrets-- how do you leave Target with ONLY the items on your list?

Our money goals for the rest of June/July include:

* Stop blowing our life savings on toilet bowl cleaner and trash bags. I have to remember it's toilet bowl cleaner sales or we're going to be on our way to living in a cardboard box.

* Eat from the pantry. If you looked in our pantry you'd think we're preparing for a natural disaster. We need to stop shopping the sales and eat what we have.

* Stop getting sucked into the sales. We do not need 10 cans of corn.

Got any other tips for us?

11 comments:

d.a.r. said...

meal planning has helped us...otherwise we buy twice as much food as we need and still end up only cooking 2-3 days a week and eating out the rest of the time. Not good for my ass or my budget!

Also, I only go to Tarjay once a month. Otherwise, my entire paycheck ends up there!

Classy Fab Sarah said...

Honestly, I had to stop going to Target. I ALWAYS come out with more than I need... it's just a viscous cycle! Now, if I need to go to Target, I literally go straight to the item, grab it, and head to the registers. NO wandering!

It sucks, but my bills are way less out of control now... we'll see how long that sticks!

Debbie said...

I can't go to Target as much as I used to b/c everything was screaming "buy me"! I'm also really big into cutting coupons. we already try not to buy things (grocery store, or whatever) unless they're on sale. If you match sales with coupons you can get so much for dirt cheap and sometimes free!!! That's when it's okay to stock up on stuff! :)

Jenny G said...

Use Pearbudget.com! It's so neat...you enter in your budget, then you enter in your receipts, and you can see exactly what you've spent and where. I heard about it off of the Knock Off Wood blog. There's a free trial for the first month (no credit card needed...like, really, you create a username and that's it), and then I subscribed to use it for $3/month. Sorry this sounds like an infomercial...lol...but it's pretty neat and simple!

I've also tried to set a grocery budget, and then go to the grocery store once every couple of weeks and stay in my budget. I buy enough food for the next two weeks, and try not to go back until my next shopping day. This does require having a planned menu for two weeks at a time, but if you make one, then you can just use the same one over and over until you get tired of it.

Just Add Walter said...

if you figure out how to do it, let me know...

lord knows I need help budgeting!

Connie Weiss said...

I've been trying to cut back on our spending because hubby will be losing his job soon....and the chances of him making as much as he is now are slim.

Our days of buying anything we want and going on vacation are over.

I have to ban myself from Target and stick to a list at WalMart or I buy all kinds of crap I don't need.

Yellow House said...

Just stop going to Target. When we moved into our house, we moved about 20 minutes from the nearest Target. The best solution is to... STAY AWAY! :)

Good luck finding ways to save $. I know it's hard!

hotpants™ said...

I can never leave Target or Walgreens with what's on my list. We've got to work on this as well. We also need to eat in more.

Brittany said...

I can't go to Target for just the things I need. It's impossible! I always end up buying something I don't need. I need Target Shoppers Anonymous!

常映 said...

知識可以傳授,智慧卻不行。每個人必須成為他自己。.................................................................

Nat said...

Ok set a budget but give your self mini goals- meaning if we save xxx the next few months we can treat ourselves to a nice dinner, shopping trip, etc. (Obviously not blow the savings but reward yourself for a job well done!)
I think it helps to take baby steps. I had a big spending problem and my husband is a huge saver so it's been very difficult for me but I try to look at the big picture and give myself my mini goals to meet each month.

Ohh as far as target goes I literally go right to the section and I need and DO NOT wander through the store because I know I don't need half the stuff I want!!!