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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Wow- that was harder then I thought!
so I am trying something new this week
pay cash for everything
I realized that by debiting things I was constantly going over budget (so instead of cutting back on anything- I wanted to try to stick to my budget)
so I just went to the supermarket
I shopped so differently knowing that I could only spend what was in my wallet
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Posted 11/28/07 7:38 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
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Re: Wow- that was harder then I thought!
Oh yeah I've done that before - its painful! Maybe I should have continued though!
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| Posted 11/28/07 7:42 PM |
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fabrichick
LIF Adult
Member since 5/05 2479 total posts
Name:
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Re: Wow- that was harder then I thought!
I have been bringing coffee, cream, lunch & snacks to work for the last 3 weeks to see how much I can save...with the exception of yesterday's lunch and it was killing me to pay for lunch!
Last night I went home and made a huge thing of turkey chili!!!
Purchasing all the new things for our new apartment gets pricey! Those lunches cover shopping at HomeGoods!
Message edited 11/28/2007 7:51:19 PM.
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| Posted 11/28/07 7:50 PM |
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CouponKT
Our family is complete
Member since 6/06 16494 total posts
Name:
K
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Re: Wow- that was harder then I thought!
Oh yeah!!!!!
I find it's soooo easy to swipe and not think about what you are really paying. It's like it is "just a number"
When you pay cash - it's like "WHOA! That's MONEY coming out of my pocket!"
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| Posted 11/28/07 7:53 PM |
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GoldenRod
10 years on LIF!
Member since 11/06 26792 total posts
Name:
Shawn
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Re: Wow- that was harder then I thought!
I'm the exact opposite. With cash, I know I can spend whatever I have, because it's mine, and there won't be any interest. I'm a lot more leery about spending on my CC because I know that if I don't pay it off, I'm going to be accruing interest. Plus, I have a semi-permanent record of what I bought. With cash, it burns a hole in my pocket, and I often don't remember what I spent it on.....
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| Posted 11/28/07 9:06 PM |
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MelToddJulia
Love my Family!
Member since 7/05 29064 total posts
Name:
Mel
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Re: Wow- that was harder then I thought!
Posted by BabyCote2006
Oh yeah!!!!!
I find it's soooo easy to swipe and not think about what you are really paying. It's like it is "just a number"
When you pay cash - it's like "WHOA! That's MONEY coming out of my pocket!"
I know right, we started paying cash for everything too and its amazing how fast it goes!! We really watch what we buy now when we go food shopping, before I would just throw anything in my cart, now I look at the prices.
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| Posted 11/28/07 9:10 PM |
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AimeeE2006
Time flies!
Member since 1/06 5698 total posts
Name:
Aimee
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Re: Wow- that was harder then I thought!
If I did that I would have to go to the ATM machine a lot more often and I hate having to drag DD into the bank for that.
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| Posted 11/28/07 11:47 PM |
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4ForMe
:)
Member since 11/05 5666 total posts
Name:
Barbara
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Re: Wow- that was harder then I thought!
We are attempting the same thing right now. It's definitely a rude awakening!
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| Posted 11/29/07 6:42 AM |
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yankinmanc
Happy Days!
Member since 8/05 18208 total posts
Name:
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Re: Wow- that was harder then I thought!
I am on a budget this week and so far so good. Its hard to write down everything that you spend. But I took out some cash last tuesday (£50) and I still have £5 left....so its a start.
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| Posted 11/29/07 7:05 AM |
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jklein1323
LIF Adolescent
Member since 11/06 847 total posts
Name:
J
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Re: Wow- that was harder then I thought!
Posted by Beth1210
so I am trying something new this week
pay cash for everything
I realized that by debiting things I was constantly going over budget (so instead of cutting back on anything- I wanted to try to stick to my budget)
so I just went to the supermarket
I shopped so differently knowing that I could only spend what was in my wallet
I feel your pain..its good thing to do, but sooo annoying constantly thinking..ummm can I get this ...do I have enough money ? It stinks!
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| Posted 11/29/07 7:55 AM |
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sunflowerjesss
Mommy to 3!
Member since 10/05 20369 total posts
Name:
Jesss, duh.
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Re: Wow- that was harder then I thought!
I changed my budget to cash only a year ago and what a difference it makes! I only do it for my allowance though. Not bills or shopping for the house.
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| Posted 11/29/07 7:56 AM |
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SweetestOfPeas
J'taime Paris!
Member since 3/06 32345 total posts
Name:
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Re: Wow- that was harder then I thought!
interesting .... I've never tried doing that. I might give it a try though.
how much do you think you saved in a week by doing that? (you don't have to give a $ amount - maybe just a percentage)
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| Posted 11/29/07 7:58 AM |
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BunnyBaby
Loving Motherhood!!!
Member since 11/07 1238 total posts
Name:
Audrina
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Re: Wow- that was harder then I thought!
Yes- it sure is!! However it teaches you a good lesson in spending disipline. It is painful, but in the end, you learn how to better manage your finances.
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| Posted 11/29/07 8:25 AM |
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Re: Wow- that was harder then I thought!
I only pay cash for any shopping, gas, etc. You have better control over what you spend by doing it this way.
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| Posted 11/29/07 8:26 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Wow- that was harder then I thought!
I keep a spending journal. I would be back and forth to the ATM all the time and sometimes not able to get to a Citibank ATM where there was no fee.
I think I would find it more of a PIA because of the cash issue and I don't like carrying a lot of cash on me.
Either way, it's a good way of keeping track.
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| Posted 11/29/07 9:39 AM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: Wow- that was harder then I thought!
Posted by SweetestOfPeas
interesting .... I've never tried doing that. I might give it a try though.
how much do you think you saved in a week by doing that? (you don't have to give a $ amount - maybe just a percentage)
it's hard to say- I give myself $100 for food shopping- and was spending any where from $130-$150, plus little trips at $20 to $30 here and there
Gas- I give myself $60- and that could be anywhere from $70- $80
as for other daliy expenses- I always paid cash for those (lunch, nails etc) I give myself $70 a week with a $25 swing amount (that goes into a day to day savings account at the bank)
what it did last night at the supermarket was force me to think- is this a need or a want- I am buying this b/c it's on sale or b/c I need it
everytime I g over- it has to come out of somewhere- and that somewhere is normally savings-
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| Posted 11/29/07 9:51 AM |
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Lanabean
Yoginis
Member since 11/05 9202 total posts
Name:
Lana
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Re: Wow- that was harder then I thought!
I could never do that....well, I try and do it. I give myself $60 each week...but I could never food shop with cash. I use the debit....
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| Posted 11/29/07 9:52 AM |
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Katie111806
Team Pink!
Member since 12/06 5349 total posts
Name:
Katie
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Re: Wow- that was harder then I thought!
I use cash for my weekly allowance and try to challenge myself to have $ leftover at the end of the week to put in savings. It's kinda fun in a crazy kind of way.  It's really eye opening though to see how fast it goes!
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| Posted 11/29/07 10:04 AM |
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hazeleyes33
LIF Adult
Member since 5/05 13060 total posts
Name:
Ginger
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Re: Wow- that was harder then I thought!
I have a budget for everything and when I go food shopping, I use my paper and pen and make sure I don't go over the amount we have alloted. Last week I went over by a dollar-lol!
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| Posted 11/29/07 10:09 AM |
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TheLorax
LOVE
Member since 2/06 5581 total posts
Name:
Suzanne / SuzBride
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Re: Wow- that was harder then I thought!
I could never do that. I don't have any money on me 90% of the time, or like $2. My Amex gets me through life 
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| Posted 11/29/07 10:58 AM |
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hazeleyes33
LIF Adult
Member since 5/05 13060 total posts
Name:
Ginger
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Re: Wow- that was harder then I thought!
Posted by Lanabean
I could never do that....well, I try and do it. I give myself $60 each week...but I could never food shop with cash. I use the debit....
I use the debit card too but allow myself only so much to spend.
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| Posted 11/29/07 11:04 AM |
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hazeleyes33
LIF Adult
Member since 5/05 13060 total posts
Name:
Ginger
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Re: Wow- that was harder then I thought!
Posted by Blu-ize
I keep a spending journal. I would be back and forth to the ATM all the time and sometimes not able to get to a Citibank ATM where there was no fee.
I think I would find it more of a PIA because of the cash issue and I don't like carrying a lot of cash on me.
Either way, it's a good way of keeping track.
You could do it too though with a credit card or debit card. You just have to make sure you don't go over your allotted amount that you would spend if you had the cash in hand.
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| Posted 11/29/07 11:05 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Wow- that was harder then I thought!
Posted by TheLorax
I could never do that. I don't have any money on me 90% of the time, or like $2. My Amex gets me through life
this is me pretty much.
I download my Amex spending into Quicken and it fits into my spending budget. I look at it almost daily.
I feel I'm in touch with my money...
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| Posted 11/29/07 11:22 AM |
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