For $3.95, each of you can get a walmart prepaid VISA card with your monthly allowance on it. When it is gone, it is gone.
It can be used anywhere, including online
We gave up the following:
1. eating out, fast food, Schwans, and preprocessed foods. this was our biggest waste. also, he gave up alcohol(beer mostly)
2. driving around for fun. we began scheduling appointments on the same day(we lived in the country) and spending the entire day in town(exhausting with a child and not worth it. we had a cousin who babysat her for us)
3. Haircuts every 4-6 weeks instead of 3(not doable if working)
4. No vacations, no trips to friend's house who moved away
5. No gifts for anyone who wasn't a child of mine. We gave our nieces who we partly raised gifts away from everyone else. My MIL is the only one to make an issue of it to our face at least. His family and community expects a gift for every occasion(graduation, marriages, babies, new house). No wonder people think the town is loaded with rich people.
6. No more funeral flowers(minimum $30 per person if not close). (At the risk of sounding tacky, we gave memorials from an organization that we give to year round. "In honor of your dad a donation has been made) The lady said I could have a box to do myself or she would write them out. I just make a list when we send our check and she sends it to them.
7. No more fundraisers.
We were called Scrooge a couple of times, but it was worth it. Plus, we weeded people out of our lives who didn't respect us for changing. In our case, his parents flaunt money(I think) and people think we have it because they have it.
8. When someone invites us out, we didn't go most times. we do seperate checks if we go
9. Washed dog at home
10. shopped around for discount insurance, but didn't buy it because it didn't cover everything and the savings was minimal
11. basic satalite(no rentals) no movies
12. We actually wear clothes and shoes until a hole is worn in them(again, not doable when working). We literally wear the same clothes and two pairs of shoes over and over and over.
13. Donated our dryclean only to a charity that clothes people and college
students. It costs too much.
14. asked everyone to please give cash or a gift card to our favorite restaurant if they insisted on giving us a gift(we find most gifts totally useless and a waste)*I do not recommend this as it is considered very rude. Plus, my MIL was convinced we must secretly have more debt than our medical bills. She would have given us the money outright, but we would have paid forever in other ways and it was not worth it to us. We see how she treats her kids and relatives she bails out.
15. No magazines, newspapers, cds, movies, new games, etc..
16. mostly water with homemade ice tea or coffe in morning
17. bought a freezer which I find wasteful most of the time, but someone gave us 1/4 of a cow free and deer meat as well because we helped him when he was struggling.
18. gave up carwashes and detailing. quit eating in the car
19. gave away all clutter to people who could use it and donated rest. this made our house seem bigger and me not feel like i needed to buy expensive organization containers
20. hired a professional CPA to do our taxes. She went back and refiled getting us hundreds back for itemizing our medical bills, insurance, house taxes, etc..
21. Every time someone gave us a gift from a chain store(walmart,target),
we returned it for a store credit and tried to use it towards food, diapers, and things we needed. Be advised, without the receipt, there is a $500 yearly limit at walmart and you can only return things 3 times per year at Target. Plus, they might suspect you are a shoplifter. Luckily, my neighbor was one of the managers and when the snooty clerk called to tell him I was there again, he came up and told her he approved it and knows me.
***Many people will assume these changes are because you are totally lacking the funds and some will offer you cash handouts, which HORRIFIED my husband
22. Stopped watching HGTV and reading about fixing up houses, which I love to do. I also did not ever landscape backyards at all, which didn't hurt us at resale because the front yards were incredible.
23. No yearly checkups for the dog. I get her all her shots as scheduled and her boosters, but I stopped paying for the physical which was a scam to me anyway.
24. We don't kennel our dog. We let the MIL babysit her which she is GREAT at. our dog loves sitting all day and getting massaged in between snacks. It is like a doggy spa.
25. Paid cash for one vehicle and 1.95 interest on the second. We drive them until they are breaking down, at least 10 years. We do pay for the oil changes and tire rotations to make it last.
26. cloth diapers and rubber pants sometimes
27. stopped getting perms and my hair dyed. some people say my hair never looked better???(i never did pedis or manis)
28. stopped looking at ads, catalogs, commercials(thanks dish dvr) to avoid
getting tempted
29. stopped window shopping
30. cut back on watering the lawn and some on the a/c
31. over the top, invite every kid we know birthday parties with goody bags and food for the adults so everyone has a fun time
32. started carpooling to events with another M. though several moms do NOT want to start this and told me so
33. shopped without my child and learned to say NO when she goes along and asks for water, a donut, gum, a crappy toy in the checkout line, another coloring book....etc...
34.found people who can fix furniture instead of replacing it
35. tried line drying my new clothes to make them last longer(didn't stick)
36. Hubby got a vasectomy which cost $600
37. Made arrangements to pay medical bills directly with provider, no financing and no interest
38. Continued dental and medical care to try and prevent costly problems
39. Tried every year to negotiate lower house taxes. It never worked even when we had professional help.
40. Found a handyman who will come over any day for $20. He charges less than a specialist and so far he has done everything we asked. Of course, longer jobs cost more.
If I could get my husband to agree, I would give up cell phones, internet, satalite tv, the pool membership we were given, that later we had to renew at our cost, and my car.
I would also sell this house(though it is not big) and get the smallest wheelchair accessible house we could build. I would not let realtors, builders, or his parents tell me we can't build something that small because no one will ever buy it. We could save hundreds every month by living in only what we need and we don't plan on moving.
We are taking a proactive stand on our health so we have less doctor visits, less meds, and a better quality of life. We are working on changing our diet to include a big variety of vegetables. We have cut back on amount of steak and beef we eat. I am exercising at least once a day and sometimes twice.
We are playing outside and playing a lot of board games with our child and her friends.