Spending Less-on

This month (Feb) we have decided to “try” to reduce our spending. The reason for this is vehicle insurance. It is outrageously high, and in order to avoid paying extra fees, my husband likes to pay it all at once, rather than making monthly payments.

In order to do this, we take money out of savings twice a year for two different vehicles.

This time around, since it is my van that we are insuring, I said no. We’re not taking money out of savings to pay this. I felt that it must be possible to survive all month on our cash and money in the chequing account. This was an experiment for both of us. For Ernie, it was completely out of his thinking, and for me, it was a reminder of how I wanted to do things.

Half way through the month of February, with conscious planning, we have reduced our food bill by more than half from this month last year — $190 to $84. Yes, and without feeling hungry. We do actually, have a secret. We have a large garden from which we harvest 90% of our vegetables. We also harvest our own fruit — raspberries, apples, strawberries and buy in season blueberries and freeze them. So this goes a long way to helping us save money on food. But it can be done without a garden.

It’s important to understand that most people spend money and time on many things that they don’t really want. Little things add up and end up creating big results. This occurs in areas that we don’t like or want as well as in those we do. Spend a whole bunch of money on things you don’t need, like processed food and junk food and without realizing it you end up malnourished and broke (an exaggeration obviously, but you get the idea). Spend two hours a day on social media and you have wasted hours and hours of your precious life over a month or year doing something useless at the expense of actually making a difference.

Instead of buying crap to eat, which is usually a single serving or snack anyway, you could put $2 a day in a jar from your pocket or wallet and you have $730 at the end of the year. We are doing just this. We started with the jar on November 29th and now have $154.00.

Within a year, I will have my laptop, and with no difficulty to us during any specific month.

Spend a half an hour a day writing (or doing whatever it is you like to do) and eventually you will have an article or a book. But most people spend that time easily on social media or buying crap to fulfill simple and immediate cravings.

I believe this is mostly because humans have difficulty with things that take a long time. We all want instant results for everything we do.

Well, I for one will no longer be participating in this type of thinking.

Sometimes doing something other than what the masses are doing seems impossible. How can we stop wasting time doing useless stuff if everyone else is doing it to? After all there is so much important stuff to see and keep up with.

This month, I have started asking myself, before I do anything on the computer, is what I am going to do important to me or help me move towards my goals? If not, I don’t do it, no matter how much I am drawn to it (i.e. FB — the draw to check social media is strong. I have found I can overcome it by using the method above).

By spending less on food, we are also accomplishing a great deal. The most important thing being having to actually THINK to create good quality meals out of what we already have and what we are able to creatively buy. It is like puzzle, seeing how little you can spend and create something new and interesting to eat.

By doing what is best for me I am automatically not doing what everyone else is doing. When you do your own thing, likely in no way will it be the most common route. It will be unique by default, even if you occasionally need to use social media to accomplish that.

I challenge anyone reading this to give something up that you think might be keeping you from accomplishing something of importance in your life. Start small and see what happens. Life is more interesting and creative this way. We’ll see how it goes for us by the end of February. Let us know what you are changing for yourself if anything.

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About Homesteading101

Writer, rural entrepreneur, frugal living, sustainable living, do and make your own stuff kind of people.

5 responses to “Spending Less-on”

  1. pobept says :

    I to have been adjusting and using social media and cell phones in time wasting text and needless, useless time wasting conversations that are actually unimportant.
    I eliminated all but a few truly important contacts from my contact list.
    I remind myself I got that phone for my convenance not someone else’s convenance.
    I remind myself if I miss a few calls and text the world as I know it will not come to an end.
    The phone stays in the house, often turned off when I am engaged in things that are important to me.

    Happy Gardening

  2. Darlene & Ken says :

    Great article. And a good idea. Most of us have so much stocked up food in our cupboards, pantries and freezers that we often end up throwing stuff out because it’s stale. And as stated, processed foods add to your grocery bill without adding to your nutrition. This month I am focusing on basics – what do I need to eat everyday for optimal nutrition. By default that means no processed foods. My challenge is to eat more legumes – beans, lentils and chickpeas. Its anazing that the stuff so very good for us is also relatively inexpensive. Good going on your mindful eating and living.

  3. Maridy says :

    Sounds like me and my husband. 😁

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