Budget Wars | August 2018

One of the most common things I heard after we paid off our mortgage was about how rich we now were.

I realized that people didn’t really get it.

Now, maybe it isn’t like this for everyone, but the few people I know that paid off their mortgage were all in the same boat…

Recovery.

Yes, recovering from paying off your mortgage. For us, we put aside things for a long time (like decorating our house) so that we could focus on getting out of debt. So once that mortgage payment was null, it wasn’t like we all of a sudden had $380,000 in the bank. I mean, that would be great if it worked that way! However, it doesn’t – unless we sold the house and became homeless.

Now we are at the place where we still have all of these things that we need to do to the house, so we are saving that mortgage payment until we have enough to get ‘er done.

So, that leads me to August.

Budget life.

August budget life.

No spending August budget life.

Yes, that’s right. I’ve decided I’m going to go the whole month of August without spending extra.

Guess what that means.

Bare minimum groceries

When Brian and I were first married and actually had no money, I spent $50 every other week on groceries. We survived. I’m sure we can do it again. Right?

Passing up amazing deals

I am one of those people who has an extremely hard time passing up a deal. I’ve recently run out of a few staple products that I use and they were available to add-on to my FabFitFun order for a fraction of the price – like I mean $7 instead of $30 and $20 instead of $100. Then I thought about it. I can live without these products. AAACCKK!! Yes, it’s true. Luxury is just that, luxury. Not necessity. I’m sure I can deal without these products for a bit.

Putting makeup on the shelf

Ok, I don’t actually mean giving up makeup. I do mean putting it back on the store shelves – not buying it. This one is a bit hard for me because I’m running low on lots of makeup products. For instance, I ran out of my foundation and I’m extremely low on my face cream. However, I have samples kicking around and will use those until September.

Funny story – I used a sample of foundation the other day that was a few shades too dark for me. No biggie. I just blended it well, wore clothes that helped and made it work. A friend saw me in the hall at Church and commented about how tan I was. I chuckled to myself and graciously said my thanks. Little did he know that all that tan would be washed down the drain later that day.

No take-out

This one is a stretch – especially because yesterday I took a nap and while I was sleeping Brian ordered a pizza. I mean, I wasn’t mad at the decision. Cheese Wheelz pizza is only the best pizza around! Plus, I didn’t have to cook. Wow, I’m totally distracted. Let’s move on.

Brian and I have Fridays off together, so we typically go out for breakfast for a cute little morning date/debrief from the night before. It’s one of my most treasured dates with him. However, this summer we have set aside our breakfast place to save that little bit.

We also used to order pizza or Chinese food or something once a week. That’s also something we’ve limited over the summer.

The great thing about this decision is that it’s forcing me to learn some mad cooking skills. I mean, I need my kids to like more than just my grilled cheese and chicken nuggets.

There are a few other things that I’m doing to save money, but all in all, I really just ask myself if it’s a necessity or if there’s a more efficient way to get it done. If it’s a necessity, I will buy it; if it’s not, I will pass it up.

Are you a spender or a saver? Is it hard for you to go a month without extra spending? Do you classify makeup and takeout as necessities? Am I crazy for doing this or do you think any little bit will help? Let me know your thoughts in the comment section below.