F stands for FRUGAL. And I've been obsessing over saving as much money as I can for some future goals of mine. The more I paid attention to what I was spending on, the more ridiculous it seemed. Society teaches us to indulge, and indulging means throwing dollars in the garbage. So here's a couple things I decided to cut down on in order to save more this year:
My nails. This one hurt but had to go. I found this really cute nail salon last year that I’ve been selling my soul to. As cute as it was, it was expensive. The price of my soul? About $70 every two weeks (hands and feet and tip duh...). I’ve been going without polish on my nails or been polishing myself. Sally hansen polish been holding me down.
Uber. I commute into the city for work so how would this work? Well for one, I didn’t need uber. My train stop is a 3minute walk for me. What I needed was discipline. And discipline meant not hitting snooze with the intent of ubering to the express stop. Yup. I’m ashamed to say it but this is what I would do. And the consequences? A lot of money spent on uber.
Coffee and Food. Again, I work in the city and there's soooo many good eats around my job. Baked By Melissa, Mamacita, Huascar &Co. Bake Shop (I mean they won Cupcake Wars, come on!!). I was literally eating my money. My coworkers and I have now replaced our coffee habits with a shared coffee maker (and I also have a Keurig in my office so I really had no excuse), and a shared water cooler. We also call each other out if we purchase lunch more than once a week. It's our system and it works and it saves!
Clothes/Shoes. If you know me know me (like reallllyyyy know me), you know THIS was one that I fought with. But one day I looked over at my shoe collection and realized I have about every color heel, flat, and sneakers I’d ever need for at least a good year. I was buying shoes like crazy. Within the last couple of months in 2017 I’ve added about 6-8 pairs to my collection. Says to self: You have a problem. Same for clothes, I had more than enough... quite honestly I had too much so I started listing some items for sale on Poshmark. I also dedicated myself to not stepping foot in the mall. I haven’t been since the holidays.
Makeup. I have another weakness: lipstick . This was another aha moment for me. I realized I had over 70 lipsticks. Now of course keeping an eye on expiration dates, I promised myself I wouldn’t buy anymore makeup. Have I stuck to this promise? I’ll never tell.
My cell phone bill. I got on the phone with AT&T and had them explain every single charge, and then together we chose different plan options that would reduce my monthly bill (my apple watch is killing me ya'll).
Cable. I spent an hour and a half on the phone with Verizon Fios....yup you heard me right. One thing cable companies appreciate is loyalty. I managed to convince the representative to apply a recurring discount on my bill. I also decreased the amount of set top boxes in my home. (Verizon charges about $8 for each box, I removed 3 out of 6).
Social life. Let’s just say my weekends are now dry. I’ve become comfortable with saying no and no longer deal with FOMO (fear of missing out).
And seriously I’m SO focused on my goals that I don’t feel like anything is missing. I actually feel accomplished, and I'm happy to say that living a frugal life is not hard. So if you're trying to move forward in frugality, my first advice is to review your bank account and credit card statements. What can you cut out temporarily to reach your long time goals?
If you can identify THIS, you can reach your goals.