That’s what we have left in our budget until Friday.
We stick to an all cash budget most weeks, but honestly, if we go a wee bit over and need to use our debit card to get us by, most weeks we just let that go.
But this week, I’m determined to make it until Friday morning (at exactly 9AM Eastern Time) with no more than the $14 I have right here.
Will you join me?
(Misery loves company, you know.) 🙂
Yup, step away from the computer.
Or your phone.
Go get your wallet right this very minute.
See how much cash really is in there.
And decide to use that.
For the next 96 hours.
Really, it’s NINETY SIX HOURS. We can do this.
As I shared in today’s Facebook live video this morning (scroll to minute 15 of the video to watch ~ I’ll update you on Stitch Fix shortly), we’re in a way different season today than we were 20 years ago when we first started penny pinching 20 years ago.
And (thank heavens!) if we spent an extra bit of money this week it really wouldn’t break the bank.
But we can so quickly blow through $20, or $50, or $100 if we’re not careful.
Most importantly though, we have a 16 year old, 13 year old, and 9 year old who are watching closely right now how we choose to spend our money.
So we’re choosing to stay on track.
Here’s what we’re sacrificing this week to stick to our goal:
1. Trash Bags.
We’re completely out of trash bags, but rather than going and spending $5-$10 on a big box of bags (these are the ones I normally buy), we’re going to use grocery sacks for the week.
2. Paper Towels.
For years (and years and years), I pretty much refused to buy trash bags because those were simply not a luxury we could afford while paying off debt. In the last few years I’ve splurged on paper towels (and I’ve got to admit, they’re glorious!) but when I realized we’re almost out this week I knew I could go back to using plain old rags.
This is such a tiny savings, but if it keeps me at home and away from the grocery store when I’ll probably buy more, I’m taking it as a win for the week.
3. Eating out.
As I’ve shared (a bunch!) this last month, eating out is probably one of the easiest places to bust your budget each week. So, like we did last month, we’ll be eating at home (I’m using the Whole Foods Menu Plan from Eat at Home Cooks), and choosing to skip the drive thru this week.
(Note – I did spend $60 on groceries yesterday for the weekly menu plan, and we already had a decent stash of produce, milk and snacks to get us through the week. That helps!)
4. Our piggy bank.
Like many folks, my husband collects his change in a jar each day, so IF we absolutely need some extra moo-lah, I may have to count some coins to pay. As I shared in today’s video my kids are usually the ones who ask for money (not all that often, but occasionally), so if I absolutely think they need it (which is doubtful), I’ll give them the option of the raiding the piggy jar.
While this would still be technically considered “spending money”, I guarantee we won’t spend as much change as we would if we went to the ATM and took out more cash (or pulled out a credit card – eek), but I think this will help us have a “no excuses” week this week.
Do you need to join me?
Count up your cash.
Hunt down your coins.
Take stock of what’s in your pantry, fridge and freezer.
And determine for the next 96 hours to stick with me.
We can totally do this, and watching what we save today will make our long term goals come just a little bit closer.
Happy penny pinching! 😉
More posts like this:
- How Real Budgeting Works in Our House (+ Download Your Free Monthly Budget Spreadsheet)
- Month Long No Spend Challenge