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Sure....as long as you don't use that reasoning often enough to ruin your budget.
Immediately and reasonably improve your life every day and you might not be able to pay your electric bill and water bill at the end of the month....that's guaranteed to make you wish you walked up the hill and ate at home.
It amazes me....the mind games, gimmicks, mental tricks, and machinations that some people need, or use, to manage their money.
- putting cash in envelopes
- accounts for everything: travel bank accounts, christmas club money, a 'new roof' savings account, etc.
- imagining your money in 'buckets'
- keeping just bill money in checking, because if there's any extra money in there "you'll spend it."
I'm sure there are others. I don't use those kinds of mind tricks so those are just the ones that come to mind.
What I used to do when traveling would be to stop in Marks and Spencer, for instance, find the food area and the ready-made sandwiches for much less than ten and I had my lunch.
Sure....as long as you don't use that reasoning often enough to ruin your budget.
Immediately and reasonably improve your life every day and you might not be able to pay your electric bill and water bill at the end of the month....that's guaranteed to make you wish you walked up the hill and ate at home.
Quote:
Originally Posted by rdflk
It amazes me....the mind games, gimmicks, mental tricks, and machinations that some people need, or use, to manage their money.
- putting cash in envelopes
- accounts for everything: travel bank accounts, christmas club money, a 'new roof' savings account, etc.
- imagining your money in 'buckets'
- keeping just bill money in checking, because if there's any extra money in there "you'll spend it."
I'm sure there are others. I don't use those kinds of mind tricks so those are just the ones that come to mind.
And now....improve your life for $10 or less.....
You need to read the article to understand what the author of it is saying.
Sure....as long as you don't use that reasoning often enough to ruin your budget.
Immediately and reasonably improve your life every day and you might not be able to pay your electric bill and water bill at the end of the month....that's guaranteed to make you wish you walked up the hill and ate at home.
Did you read the article? It is about traveling, not paying your electric bill!
You could $10 sandwich yourself into the poor house. About the only time I could justify that would be if I got snowed in at an airport and couldn't leave because they didn't know when the flight would get out.
However, I think that everyone needs a little treat now and again. The budget should have a place in it where funds are budgeted for a treat for each member of the family.
If there is a $10 sandwich that the family absolutely adores, put it in the budget to buy one for everyone a couple of times a year. Or learn how to make it yourself at home.
Being frugal should not be grim. It's about allocating the family funds in the best way to get what you want while making the money go as far as possible. There should be room in the budget for occasional treats and rewards.
$10 should not be the limit for those treats. The treats should fit into the budget and be purchased in such a way as to get the best deal possible, but there is no reason to put a dollar limit on it.
It amazes me....the mind games, gimmicks, mental tricks, and machinations that some people need, or use, to manage their money.
- putting cash in envelopes
- accounts for everything: travel bank accounts, christmas club money, a 'new roof' savings account, etc.
- imagining your money in 'buckets'
- keeping just bill money in checking, because if there's any extra money in there "you'll spend it."
I'm sure there are others. I don't use those kinds of mind tricks so those are just the ones that come to mind.
And now....improve your life for $10 or less.....
Why so much hostility? No one is forcing you to do any of those things. You may not choose to employ any of the methods you mentioned, but if they work for someone else, how are you harmed? What benefit do you derive from your contempt?
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