Cash Only, breaking up with the charge card.

I convinced myself that using my Amazon Chase Visa credit card, and paying the entire balance off each month is the way to go.  Usually, I receive a $30-$60 statement credit for using the cards, and this is well worth it.  No more.

I overspend using the credit cards.  I have no limit (as the credit card has no limit) and I let myself buy ANYTHING (mostly anything) I want at the grocery store, versus buying within a budget.  I am not mindful when using the credit card.  Instead, I buy what I need & want and what looks good, and I tell myself I’ll pay it off later.  If I have a grocery list, I go over it, and buy what is advertised and marketed, what I thought I forgot to add to the list, and so many extra items end up in the cart.

I instead, I am going to start using cash for my grocery purchases, and gas, and anything else that needs to be purchased.  This will cause me to be extremely more mindful and thoughtful.  I’m breaking up with the charge card!

Saturday morning I drove to Aldi, and I brought $140 cash with me (I have not been there for 2 weeks).  I ended up buying less, I put in 1 bag of chips, versus 2, I put in 1 ketchup bottles instead of 2, I ended up getting 1 package of burgers instead of 3, and so on.  Once I got to the register, I told the cashier that I only had $140 so to please warn me if we went over.  Instead, I was $20 under.  This was a win, as it seems my Aldi check out bill kept getting larger and larger each week.

Sunday night, I drove to the grocery store to buy some seltzer water, and romaine lettuce.  But, once I got to the store, I realized that I left my $20 at home, and I did not have any credit cards on me.  Oh well, no big deal, even though I had to go home empty handed, I did not spend any money on things I did not need.  We already had plenty of food and water to drink & eat at home.  Instead, I used that $20 on gas for the car this morning.

It’s nice to log onto my Chase credit card this morning, and not see a single item charged all weekend.  This is a win win win, and I’m psyched to continue to use CASH versus CREDIT.

 

 

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Buy Exactly What You Need, nothing more.

Yesterday, Old Navy was having their annual flip flop sale.  I walked into the store at around 11am, and most everything was purchased.  There were women picking up to 10 pairs/20 pairs of flip flops.  I need one pair.  A black pair.  The one I purchased a few years ago, is wearing down, and with a beach vacation coming up, I wanted a new pair for end of the summer and warmer fall days.

Please note I said:  I wanted, not needed.  I did not need these flips, but I wanted them instead.  They weren’t an urgent need (as my feet had another pair on), but they were a great price for the quality – so I went ahead. Flips at the local thrift store are more, so I decided to go ahead and buy myself a pair.

Instead of a woman’s pair (because they were all sold out) I ended up getting a hunter green, and a gray pair in men’s size 6.  I will wear them until they wear out, or until my son’s foot grows into them.  They will go to great use.

I stood inline, a long – slow moving line, with my two flip flops, while holding my 20 month old daughter who wanted nothing more than to run wild in the store.  I held and entertained her to my best ability.  And yet it was amazing to see how many people were truly buying out the store.  A lot of sale signs were up, but that does not necessary mean you are getting a great deal, not does it mean you NEED to buy it.  We all have so much, and we have to learn to live & love what we already purchased, what we already own.

Buying ONLY what we want – is a process, and takes time, patience, commitment and practice. And most important – deciding BEFORE you enter the store, that you will ONLY buy what you need, not all you may want.  I need to practice following my own advice, especially before going grocery shopping.

It was awesome to charge just $2 to my Amazon Chase Card, versus $20, or $40 or $100 or $200.  Let’s keep practicing buying only want we need (or lessss), and becoming MILLIONAIRES and FINANCIALLY FREE in the process!