Saving Money

Aneeda72

Well-known Member
Every spare penny we have goes into this money pit of a house so it is actually helpful that the virus keeps us home. 🤦🏻‍♀️ Otherwise, my resentment would just grow and grow. Still, we seem short on funds and should my husband get laid off or forced to retire it would be horrific.

We got a call from the group home manager where our DS son lives that he no longer wanted us to buy Saturday lunch for the boys, or other food. Hmm, I won’t go into the details of the situation, but I had already cut back a lot. I decided this would work in our favor, money wise. I made it clear I would still provide whatever my son needed, but nothing for the others.

It’s been hard, especially since I provide all the holiday meals, but I am sticking to it.

Next, I had started to waffle and question my decision to rehome our dog. It is the right decision due to my health. But we are his third home, and while we have been able to overcome a lot of his issues, some we have not. I can no longer care for him, and although he’s my husbands dog; my husband is not a great caretaker.

Finally, I realized that the dog costs us, at a minimum, 170 dollars a month. He grew bigger than expected so grooming is 100 a month and food 70 dollars a month. Yes, we buy him a high quality food. He was underweight and he still does not like to eat. Money wise it is better not to keep him with the rising cost of everything.

The nice weather is really helpful. I don’t need the air conditioner. It gets down to 38 at night. I don’t need the heat yet. It gets up in the high 60’s and a few days in the 70’s. On the really cold days I put on a sweater inside. Saving me a LOT on the electric bill. I quit buying magazines which is a savings of 50 dollars a month and am considering a subscription to my favorite one.

I think I have cut back on spending as much as possible, but we still pour money into this stupid house. Are you cutting back on anything or just spending as usual?
 

I feel bad for you, Aneeda, because we feel the pinch, too.

We're thrifty people at the best of times, and nothing has changed in that regard, but every now and then something will give up the ghost and POOF, presto-magico, an unexpected bill will arise. I hate those times.

Between today's rising costs, helping our kids when and where we can, there's little leftover, but our blessing in disguise is being mortgage free. Not having a house payment helped us a lot, freeing up extra monies each month, and allowing us to sleep more soundly at night. I remember the worrying years, and I'm glad those days are behind us.

We all do whatever we can when money is tight, and one day at a time remains my mantra for those times when I feel overwhelmed. I remind myself that tomorrow will be a better day.
 
I'm pretty frugal, so no.

Money is funny stuff you can cutback in various places and still have little or no extra money at the end of the month unless you take the savings off the top when you get paid and learn to live on what is left.

The other question is what are you saving for. If you have a comfortable retirement income that covers basic needs enjoy the money you have in ways that have meaning or are important to you.

Good luck.
 
I was saving money, but the going back and forth to my mom's house has added up. Seven hours each way costs gas, I need new tires and I've had to up my auto insurance (I had the "senior rate" that had a lower maximum yearly mileage).

Plus buying groceries up there (the Spousal Equivalent buys all the food here).
 
I was saving money, but the going back and forth to my mom's house has added up. Seven hours each way costs gas, I need new tires and I've had to up my auto insurance (I had the "senior rate" that had a lower maximum yearly mileage).

Plus buying groceries up there (the Spousal Equivalent buys all the food here).
Yeah, I have been unable to start saving again. Hopefully next year when I get some of the house repair bills paid down, if not off, I can.
 
We've been saving more than normal this year....with this Virus limiting our activities, and running around. There have been weeks that I used more fuel in the mowers and tractor than I did in the car and truck. We've only been to the casinos 4 or 5 times, instead of 1 or 2 trips a month. Our biggest issues have been trying to stay halfway busy around the house, so boredom doesn't become an issue.

With regard to cutting your expenses...I agree that you Must do something with the dog. Spending $2000/yr. on a pet sure seems a bit outrageous.
 
Thankfully, our income is more than enough to meet our needs, so we have been able to save about 70% of our pensions and SS. I had to have my water line from the house to the street replaced at a cost of $3500.00. The contractor just finished closing up the trench this morning. I never knew that copper tubing had varying wall thicknesses.
 


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