There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.This quote is perfect for today because I've been thinking along these lines a lot lately. I like how he say's "I'm almost embarrassed to say it." Like, duh, everyone should know this. But do we? I've heard that no matter how much you make rarely will it be enough. People who get raises or move on up the ladder in their careers just buy nicer cars and bigger houses, they begin spending $15 on a t-shirt instead of $5 or $25 instead of $15. More often than not we spend our money. Period. And as a society we're darn good at spending more then we make. We spend money with our eyes. We spend money with our tummies. We spend money with our dreams (even if we're only dreaming about that next mocha frappuccino). You know that once you start dreaming about Starbucks you're likely to find yourself standing at a counter or pulling up to the drive through window shortly there after.
Spend less. That is pretty much always my goal but here I am thinking about it again and by golly thinking about spending less has gotten me a pretty far way along this journey (this very long, slow, arduous journey).
This is silly but one way I've started to spend less is by no longer putting creamer in my coffee. I never thought I'd drink coffee without creamer but a few months ago I ran out and decided to try a week without it and wa-lah a few months later I still haven't bought any. (I know I'm mildly insane) Before cutting it out I probably bought one small thing of Hazelnut Coffeemate a week, usually around $2.49. When the big ones went on sale I'd buy a large one for probably $3 and that'd last two weeks. So if I cut out creamer for a year and saved $3 every two weeks well I'd have saved $78 that year. If I never found them on sale and spend $2.49 a week (come on that doesn't seem like a ton of money) I'd have saved $129.48 in a year. Spending less is spending less. (that $3 number seems really low but I'm thinking the sale is two for $6... now I have to watch the sales on creamer or this is going to bug me)
It's first thing in the morning so this could change but I'm planning a no spend day for today.
Spending rundown today: $0. NO SPEND day 62 for the year.
My budget for the month is $436 which leaves $208.51
Average daily spending for 2015: $18.10