I joined a budget based group that lasts the month of Jan, its a good overview and tweeking type of plan.. I laughed a touch as folks are like.. what is something your life that costs you money every single month that has to be considered a luxury.
Do you see those fat butts up there in that photo.. any way you cut it.. they fit that bill.. back in the day, that was not the case, you would use them all the time.. however times have changed and even with the uses we do with them, there is no way to call them anything but hay burners.
Add in that this is the first winter that Caleb is starting to show his age and needing some extra care. feed and so forth, so of course I had to spend a couple hundred on his winter extra’s.
Still I have been reading and thinking about things (when my mind is not stuffed with all the breaking news these days.. and man.. there has been alot of breaking news in the past 48 hours) and when I am not chasing this lunk head to try and help get him around things or unstuck..
I belong to a food co-op and you get a fresh food basket twice a month, I like this program very much as it
a) keeps me out of the stores and town
b) its local driveway drop off delivery
c) I pay the highest box fee which means that I help support a lower cost box for those in need in my community and I really like this.
d) sometimes we have things go on sale that I buy extra and donate though the program into the local community food box (anyone can go to the food box 24 hours a day and get or leave a little something as needed)
So this helps me greatly in keeping the “fresh” in the meals while not going to town.. our little towns around us right now are increasing hot spots and it would be a very good idea to avoid them for at least the next month.
The one thing that they were talking about was clothing budget, so I had a very hard look at my closets and have decided that I can plan a very frugal clothing year for 2021. I am going to allow myself 2 pairs of curvy fit blue jeans (I have worn out a number of my jeans, patched them and cut them into shorts) so I need to replace them with full legged jeans this year and my new summer dresses.
Thats it! Hubby does not need much at all either, I think the only thing he needs this year is new underwear lol..
Having said that a friend of mine out Sask way was talking about something worth mulling on.. she basicly said.. given how many big company’s are closing and that the odds are good that more will close over the next year, or couple years that if you have a favorite “brand” for your boots, gloves, coats and or certain wear, that you might want to really consider stocking up a few extra’s in your size or if kiddo’s the next couple sizes up as when you go to buy or size up, its very possable that you will find its not available.
I will add a personal note on this, or you might find its the same name, slightly more costly but they have changed something in the making of it due to supply chain issues. I had grabbed a three pack of extra duck tape, same brand I have used for years and then I grabbed a couple singles of kinds I like as well
Well I was totally shocked to find that my three pack rolls were “new” and they are pretty much useless,, they work kind of.. but they are thinner, weaker, I will hold it for in a pinch/no choice but I will not be buying that kind again and I have bought it for many many years..
So even if you think you know the brand, do the research or look at the product because it does not mean you are getting what you think you are.
Otherwise, I will keep looking at things a case by case way of needing things, but I am hoping to save on some things in order to have that extra for a few coming bigger projects.
Did you do your 2021 budget? if so, are you saving for a project, or just saving for the future.. or are you WHAT savings, we are using them up as we speak! Is anyone looking at taking advantage of the very low interest rates and considering buying a house and or taking out a repair/redo loan on this home?
Do you have anywhere in your basic budget lists were its pretty clear that you can bring things down and either just have a no spend or a very limited low spend on?
another area that should be very low buy/low cost is household items.. while I know I will be finishing some repair/redo work and paint etc.. that overall the budget for anything household is very small for the year. We put one vehicle into winter park mode and covered it for storage so that saves us for 7 months in insurance and really is there any reaosn at this point to have more then one vehicle working on the farm right now..
As it is, its hard to make sure it gets run once or twice a week to keep things moving.. I guess that there are some folks that’s not true on but certainly is for us at this time. Ar you driving less? Same.. More? (I know someone that is driving more.. normally taking public transport who does not feel safe doing so and with so many working from home there is parking at his work building, so he now drives in)