One of the reasons why my boyfriend and I get along so well, I think, is that we value the same things financially and generally enjoy the same splurges. Good (not necessarily expensive) food and good comedy shows are worth the cost; fancy, giant living spaces and a constant influx of new clothes are not.
This might be really specific, but my frugal advice for my younger self would be "look around more before you pick an apartment." The first place I lived after college had way more space than I needed, and cost more than I would have liked.
Also, this is one I still need to abide by sometimes, but "Don't pick a big/expensive item on the menu just because you're really hungry right now. Something smaller will be cheaper and satisfy you just as well."
Frugalness gets such a bad rep for the younger generations, but eventually is something that most people transition to at a point in their lives. This usually transcends due to a myriad of reasons, but I would assume that the two most prevalent in the last decade are because of debt or finally graduating to parenthood status. There is nothing in comparision that sparks a bigger transformation than being a parent.
The second point is a very good point. I'm always tempted to think that only if I had more money, everything would be better. But if I learn how to manage what i have now, it's going to be a lot easier to manage money when I get alot more. Thank you for the awesome tips.
I rarely find an app that I want to buy, but I do have quite a few free ones and also a few that I bought with store credit from a gift card. My favorite app is Clear, it is a really awesome to do list app that my husband found for me. I alsolove the Camera+ app.
For a small amount of money you could probably build a shelf box to put in the space the dishwasher previously occupied and have more storage. You could even make a little curtain to cover it all up, or find some doors to match what you have on the other cupboards.
I already like your Wisebread FB page - that's how I found this contest! Always have. I usually go for the free apps but will buy one on occasion. Have far too many as it is - should probably ull some from early on...
Favorite kind is productivity apps and croswords, sudoku, WWF!
Quick question, in your research about baby carrots, did you come across anything about them saying they put them through a bleach bath as well? That is the reason I quit eating them.
Dinosaur here: I don't buy apps because I haven't yet bought a smart phone. :-O
I expect that when I do buy a phone I will limit the number of apps I buy, in part because I'm frugal and in part because I'm of a different generation and look at phones mostly as, well, phones. Not that I won't check e-mail. I just doubt I'll play games et al. because I look at a screen all day and don't want to keep looking at one when I get out of the house.
I buy apps only if I can assure myself that they are more than just a novelty item- and I never spend more than $3 on apps-- there's probably a non-iPhone way to do the same thing. I figure if I lived just fine before the iPhone I can live fine without it. For instance, I'll buy an app that helps track my fitness or spending, if there absolutely isn't a free version out there- but I never buy games or entertainment apps. It's just not worth it for me.
I "Liked" your fb page! Yes, I occasionally do buy apps, sometimes just because I want it or it has excellent ratings by user's. I definitely buy a FREE app if I like it, for the FULL version! :)
Your story was very inspiring, and I learned so much. I can't believe how they used the new fee to put you 3 months in arrears, very sneaky. I think the same way too, why would your bank do that when they're trying to help you?....My husband believes different, that they're always scheming and hope you lose your house. I hope that once my kids are old enough to own a house, I could give them the cash to buy it and not use a bank. Just a horrible organization it turned out to be.. I'm very happy that you thought ahead about submitting a petition for Chapter 13 protection..very smart..did you have to use it?
Good luck to you.
One of the reasons why my boyfriend and I get along so well, I think, is that we value the same things financially and generally enjoy the same splurges. Good (not necessarily expensive) food and good comedy shows are worth the cost; fancy, giant living spaces and a constant influx of new clothes are not.
This might be really specific, but my frugal advice for my younger self would be "look around more before you pick an apartment." The first place I lived after college had way more space than I needed, and cost more than I would have liked.
Also, this is one I still need to abide by sometimes, but "Don't pick a big/expensive item on the menu just because you're really hungry right now. Something smaller will be cheaper and satisfy you just as well."
Frugalness gets such a bad rep for the younger generations, but eventually is something that most people transition to at a point in their lives. This usually transcends due to a myriad of reasons, but I would assume that the two most prevalent in the last decade are because of debt or finally graduating to parenthood status. There is nothing in comparision that sparks a bigger transformation than being a parent.
I liked Wise Bread on Facebook.
Yes, I buy "educational" apps occasionally for my kids.
No, they are too expensive.
I like you on facebook!
I Like you on Facebook as Selene Montgomery
I don't buy them and usually don't mind ads.
The second point is a very good point. I'm always tempted to think that only if I had more money, everything would be better. But if I learn how to manage what i have now, it's going to be a lot easier to manage money when I get alot more. Thank you for the awesome tips.
I rarely find an app that I want to buy, but I do have quite a few free ones and also a few that I bought with store credit from a gift card. My favorite app is Clear, it is a really awesome to do list app that my husband found for me. I alsolove the Camera+ app.
I don't buy apps because I don't have a smart phone. But if I did, I would only get the free ones.
For a small amount of money you could probably build a shelf box to put in the space the dishwasher previously occupied and have more storage. You could even make a little curtain to cover it all up, or find some doors to match what you have on the other cupboards.
I already like your Wisebread FB page - that's how I found this contest! Always have. I usually go for the free apps but will buy one on occasion. Have far too many as it is - should probably ull some from early on...
Favorite kind is productivity apps and croswords, sudoku, WWF!
Mad(elyn) in Alabama
Thanks for the catch! It's been fixed.
I like Wise Bread on FB
I think most apps are a huge waste of money. My husband, however, disagrees with me and loves to spend money on them.
Quick question, in your research about baby carrots, did you come across anything about them saying they put them through a bleach bath as well? That is the reason I quit eating them.
Dinosaur here: I don't buy apps because I haven't yet bought a smart phone. :-O
I expect that when I do buy a phone I will limit the number of apps I buy, in part because I'm frugal and in part because I'm of a different generation and look at phones mostly as, well, phones. Not that I won't check e-mail. I just doubt I'll play games et al. because I look at a screen all day and don't want to keep looking at one when I get out of the house.
I liked on facebook.
I almost never pay for apps, because you don't really know if they're going to work for you without trying them.
I like you on Facebook. (But not that way.)
Liked the Facebook post as well as commented there!
I buy apps only if I can assure myself that they are more than just a novelty item- and I never spend more than $3 on apps-- there's probably a non-iPhone way to do the same thing. I figure if I lived just fine before the iPhone I can live fine without it. For instance, I'll buy an app that helps track my fitness or spending, if there absolutely isn't a free version out there- but I never buy games or entertainment apps. It's just not worth it for me.
I "Liked" your fb page! Yes, I occasionally do buy apps, sometimes just because I want it or it has excellent ratings by user's. I definitely buy a FREE app if I like it, for the FULL version! :)
Your story was very inspiring, and I learned so much. I can't believe how they used the new fee to put you 3 months in arrears, very sneaky. I think the same way too, why would your bank do that when they're trying to help you?....My husband believes different, that they're always scheming and hope you lose your house. I hope that once my kids are old enough to own a house, I could give them the cash to buy it and not use a bank. Just a horrible organization it turned out to be.. I'm very happy that you thought ahead about submitting a petition for Chapter 13 protection..very smart..did you have to use it?
Good luck to you.