What I Spend My Money On (And what I don’t)

If you’ve read this blog even just a few times you’ll know that we live on a fairly limited budget. One salary doesn’t stretch as far as it did in years past and as a result, choices have to be made as to what I choose to spend our money on and where I choose to save. So today I thought I’d share what I spend money on and also some things I specifically decide not to spend my money on.

Let’s start with what I don’t spend money on:

  • Tobacco products-pretty easy choice here considering my husband died of a heart attack at age 35. Suffice to say I also don’t spend money on illegal drugs.
  • Alcohol-very, very occasionally I will purchase a bottle of Malibu rum and some pineapple juice or a cheap bottle of wine. I almost never buy drinks out since they are so overpriced and I’m just as happy with a non-alcoholic beverage
  • Manicures and having my hair professionally colored-I color my hair with a box of Miss Clairol at home (using a coupon of course) and although I might get one pedicure a year since my feet are especially ugly, I don’t bother with manicures
  • Expensive shoes-I just don’t have a shoe fetish like most women. One pair of tennis shoes (which I really should replace more often then I do), one pair of canvas-type shoes, a couple pair of sandals, and two pairs of work shoes
  • The newest and shiniest IPhone/Apple products-I can appreciate these but it’s just not in the budget so I will use my current model of IPhone until it dies (literally-just replaced my iPhone battery in an effort to not have to purchase a new phone). I am using my son’s old Surface Pro for my writing since he decided a laptop better served his needs for school

So what do I spend money on?

  • Internet-we have to have a fairly good internet connection since there are three of us streaming or using the internet almost constantly
  • Netflix and Sling subscription-We’ve had Netflix since the days when it was just a service where they sent you a couple DVD’s in the mail each month. We recently added a Sling subscription when we moved to our new place and I decided to try and “cut the cord” on cable. We were previously paying $134 for internet, cable and Netflix. Now we’re paying about $87 and honestly I’ll probable drop that down a little further once Nick leaves for school.
  • Occasional drinks at Barnes & Noble when I’m writing but I try to use gift cards I’ve either received as gifts, earned through survey sites or I’ve bought via discount sites or when Kroger has fuel promotions
  • Eating out-I’ve tried to do better with this but honestly I don’t mind an occasional meal out with my kids or other family or friends. I do try to save costs when possible though
  • Lottery-but usually only $2 a week through our work lottery group. Hey, somebody’s going to win, might as well be us
  • Health insurance-one of our largest line items but with a kiddo with a chronic illness, this is a non-negotiable
  • Annual trip to Holiday World-a nearby theme park that is reasonably priced and clean. We go with friends every year and spend a full day at the park and then we hang out at our friend’s campsite for an evening and considering this will probably be my only vacation of the year, it’s a reasonable splurge. I know the time is quickly approaching that the boys will no longer have the desire and/or time off to spend vacation time with me so I’ll continue this tradition as long as I can

So there you go. Stay tuned, maybe next time I’ll tell you everything I want to buy once I get in a better/more secure financial place.

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