Tag Archives: finances

Ballin’ on a Budget Mini Tips Pt. 2

I have a whole series on the blog that highlights strategies for BALLIN’ ON A BUDGET by way of ditching — ie) ditch the bare cupboards, ditch the gym membership, etc. Today, I’d like to build on this BALLIN’ ON A BUDGET theme with my new series — Ballin’ on a Budget Mini Tips (here’s post #1 from the series). The last series included posts that proposed something for all of us to ditch, in order to free up line items on our budgets, and offered a 4 week plan on how to implement. These mini tips are things you can implement RIGHT NOW. Like, straight away. As soon as you read them!

Whether you’re actively pinching pennies or simply want to re-direct some of those pennies to better serve you, this series is for you!

Here are 10 (more) MINI TIPS

1. Break Down Your Meat

If you’re going to eat meat, consider buying options that require you to do a little butcherin’ for yourself. This is a great cost saver. Buy a whole ham and slice it. Get the full chicken and split it up yourself. If you see a pork loin for sale, nab it and turn it into pork chops for the freezer. I’m lucky enough to have a former butcher in the household, but there are tons of video tutorials online for just about everything these days. 

2. Ditch the Printer

Being super diligent with electronic organization drastically reduces the need to print out documents. Consider printing at work or the library instead of keeping up with the costs of a printer (they always seem to run out of ink at the least convenient times!).

3. Repair Your Wardrobe Pieces

I’ve talked about ditching fast fashion and I still think investing in higher quality pieces is the right thing to do. However, if you’ve plunked down a good amount of money on your capsule wardrobe, you have to be willing to fix rather than throw out. Shave sweaters, fix hems, patch up holes, take your shoes to a cobbler, take clothing pieces needing alteration to a seamstress, etc. 

4. Identify Impulse Shopping Triggers

We’re only human. If you have a specific impulse shopping trigger, what can you do to help curb it? This could be as easy as sticking to the U-Scan so you don’t add a bunch of last minute candy and soda. Maybe you have a tendency to drop a fortune when you hit up book stores. Can you work weekly trips to the library into your schedule to scratch that itch?

5. Clean Your House Once a Week

If you stay on top of your cleaning you’re less likely to need to do deeper cleaning with more expensive cleaning products. It also will keep you from over-buying things because everything is put away and organized so you know what you have and what you need. This goes for laundry, too. Have you ever bought a shirt for an event just because you didn’t have anything clean? I sure have. 

6. Diversify Grocery Shopping

Different supermarkets will have better deals on certain items as well as different “loss leaders.” Make it a habit to check circulars and sales. If there’s a store with a consistent lower price on an item you frequently use, buy it in bulk once a month or once a quarter. 

7. Suit Maintenance

If you have to wear business apparel (read: suits) to work, maintenance is key if you want to avoid sending it out to the dry cleaner after every wear. After you’ve worn the suit, hang it up straight away. Twenty-four hours on a hanger will help the light creases to fall out and hopefully you won’t have to iron between wears. Invest in a good umbrella and rain-coat to keep your suits dry in rainy weather. And if you really wanna stretch things, grab a pack of Dryel

8. Grow a Garden

Even if it is just a windowsill lined with pots of basil, cilantro, and rosemary! Any ingredient you can grow yourself will cut down on that grocery bill. Do a little research to see what would do well in your area and go for it!

9. DIY Your Cleaning Supplies

Keeping a collection of baking soda, white vinegar, borax, and Dr. Bronners will save you TONS of money on commercial cleaning supplies. Just mix up your own! Pinterest is a great resource if you’ve never done this before. Glass cleaner to carpet cleaner to stain removal. Just do a quick search and you’re well on your way.

10. Drink at Home

The mark-up on alcohol at restaurants and bars is ridiculous. If you’re trying to save but still want to indulge in a glass of wine or a cocktail now and then? Buy your own bottles and drink at home. Wanna save even more? Skip the elaborate mixers and go for something simple like a vodka and soda or a gin and tonic. And if you’re looking for a cheap bottle of wine that’s still somm-approved — go Old World!

Thanks so much for reading! What small change have you implemented recently to save money? In mini tips that you think pack a huge punch? Share below!

P.S. How to have unique clothing style on a budget.

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Ballin’ on a Budget Mini Tips

ten ballin' on a budget mini tips

I have a whole series on the blog that highlights strategies for BALLIN’ ON A BUDGET by way of ditching — ie) ditch the bare cupboards, ditch the gym membership, etc. Today, I’d like to build on this BALLIN’ ON A BUDGET theme with a new series. My favorite budget mini tips. The last series included posts that proposed something for all of us to ditch, in order to free up line items on our budgets, and offered a 4 week plan on how to implement. These mini tips are things you can implement RIGHT NOW. Like, straight away, as soon as you read them!

Whether you’re actively pinching pennies or simply want to re-direct some of those pennies to better serve you, this series is for you!

Here are the first 10 MINI TIPS

1. Automate Payments and Savings Whenever Possible

You KNOW I love a “set it and forget it” option. If you’re able, schedule your bills so that payments are automated. This will save you time, but it will also save you from accidentally incurring any late fees. Similarly, set up a fixed amount that will come out of your paychecks and get whisked away right into your savings account.

2. Price Compare with Amazon

A lot of household and personal care items are available on Amazon. Before impulse purchasing at the grocery or drug store, pop on that smart phone and check out pricing on Amazon. It’s a 30 second search that could save you quite a few bucks. And if you have Prime, you’ll have your items lickety-split anyways.

3. Find Ways to Winterize Your Home

If you live in an area that actually sees seasons, do a little research about how to best keep the heat in and the cold out. Every house and apartment is different so do a quick walk around your space looking for ways to winterize. Performing an audit on your home each Autumn can help you devise a plan for the coming Winter and allow you to purchase certain items before it gets too chilly.

4. Incorporate Affordable Recipes You Love to Eat 

If you stumble upon a meal you’ve made yourself that was both, super budget friendly AND delicious, don’t just leave it as a one off! Work that sucker into your meal rotation. Even if you don’t meal plan (which if you’re trying to save money you totally should!), you can still choose to have the meal every week or every other week. That is, until you get sick of it and have to find a new “cheap meets yummy” favorite…

5. Shop the Produce Section

Everyone knows, if you’re trying to eat healthy, you’ve gotta focus your grocery shopping efforts on the periphery of the store. If you’re ballin’ on a budget, you need to spend the majority of your time in the produce section. Start in this section, get all the deals you can, and then build out your buggy from the rest of the departments.

6. Ask for Cheaper Rates

My belief is that it never hurts to ask for what you want. And if you’re ballin’ on a budget, you want things to be cheaper. Ask for student rates, AAA discounts, special deals, etc. When your cell phone bill goes up, call and see what can be done. The worst that can happen is you get told no.

7. Have a “Buy Price”

Create a little cheat sheet listing food and household items that you like to have in stock. Then, do some research to determine the best sale prices for these items in your area. These are their buy prices. Then, when you’re checking out a store’s circular or see an item on sale, you can refer back to your sheet to see if it’s the right price to stock up.

8. Use Open Source Software

There are so many options out there. If a software isn’t necessary for your work, look into the free versions before plunking down your credit card.

9. Feed Your Freezer

If you double one meal a week and stick the extra servings in the freezer, you will have a plethora of ready-to-go options in no time! These “defrost and heat” meals are perfect for busy (or lazy) nights and will keep you from hitting up a restaurant or take out option.

10. Buy Only What You Need at the Grocery

This hearkens back to the importance of a meal plan, but at the very least, attack your grocery shopping with a PLAN. Make a list, check it twice, and STICK TO IT.

Thanks so much for reading! I know tons of you have your own favorite budget tips – what other advice can you share? On the other end, what aspects of budgeting do you find most difficult? 

P.S. My top tips on getting control of debt.

mid-week round-up

What’s up, buttercups? I haven’t been feeling too well the last couple of days. I wouldn’t go so far as to say I’m sick, (I NEVER get sick..so THERE!) but allergies and hormones are kicking my ass. Hopefully on the mend soon! Also, we finished the second season of Master of None. Have you seen it yet? SO. GOOD. (I loved the Thanksgiving episode especially.) I hope you have a wonderful rest of your week, and here are a few links to celebrate the mid-week…

How 3 fan favorites from The Real World are nailing the actual real world.

How the Swachh Bharat Mission is heading for failure.

I can’t wait to see this movie! (Have you read the book? It’s one of my favorite memoirs ever!!)

Related: 6 Beach Read Recommendations

How communal singing disappeared from American life (and why we should bring it back!).

Pregnant at 18. Hailed by abortion foes. Punished by christian school.

Forget adult coloring. What about adult PERLER BEADS?

Getting to know a father who has spent the past 30 years behind bars.

Donald Trump allegedly believes that exercise is bad because the body has a finite store of energy (exactly the logic used to warn 19th century women off education).

Made me laugh…because #FACT.

How a true-crime podcast became a mental-health support group.

Related: 6 True-Crime Documentaries For Your Inner Detective

My first shipment from Le Tote is scheduled to arrive today!! So pumped.

Hoarder? Splasher? Understanding your financial psychology could save you money.

P.S. A few Finding Delight posts you may love — How to Eliminate Decision Fatigue and Get More Done and Corita Kent: In the Beginning was the Word.

mid-week round-up

open shutters

How’s your week going? Enjoying this hump day? Yesterday I received a very exciting package in the mail…my wedding dress! I’m giving it a few more days to make sure I’m absolutely certain but I think this one is the one. Eeeee! Speaking of exciting–isn’t this week the best? Star Wars Day today, Cinco de Mayo tomorrow, and then Derby Day followed by Mother’s Day! Let’s celebrate ’em all! Now for some links…

How did a small Midwest town end up with America’s worst HIV problem?

Stories of childbirth are absent from literary fiction.

Coffee maker cooking.

I’m guilty of using this qualifier. Are you?

America’s most popular recipe site reveals a gap between foodie culture and what people actually cook.

This history of birthing babies in Appalachia.

4 men open up about the lives they can afford.

Made me laugh.

Kids try 100 years of brown bag lunches.

A $1,000 day in Paris for $100.

Wedding photographers reveal their most memorable shots.

I NEED a pair of these genius shoes!