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frugal suggestions? [Nov. 9th, 2004|02:59 pm]


[mood |curiouscurious]

hi all! i'm brand spanking new to the community -- it was recommended to me by the lovely themowingdevil after i posted the following to my private journal...any thoughts you have would be much appreciated!

how do you all -- in small and large ways -- cut expenses/save money on bills, groceries, etc etc? what are your money-saving secrets?

over the past couple of days i've come to realize that my husband and i really only fight about one thing with regularity, and that is money. i know, i know -- boring, typical. but i have yet to understand how it is that with him making the salary he does, and with me micro-managing our finances as i do, we get down to scraping the bottom of our checking account every two weeks. i've approached a lot of our monthly bills and cut where i can -- changing cell phone companies, for example, cut about $35 off our monthly bill -- and even paid off our one car loan so that we actually own both our cars free and clear, and no longer have a monthly car payment. and yet despite all this it seems our money disappears with alarming rapidity. we're on a budget, we have allowances....yet we (ahem cough) seem to have a problem sticking to it.

the upside to all of this is that beyond school loans/mortgage, we have no debt, credit card or otherwise.

so anyway, i guess i'm looking for some secret magical thing you do beyond the obvious (see above)... don't worry, i won't hold my breath.

relatedly: how the fuck do people survive with $500K mortgages and shit (standard for the DC metro area)? when i think of how we wrestle with our finances with a decent salary and modest mortgage, my mind reels to think of what these people are doing to make ends meet...

[User Picture]From: lannadelarosa
2004-11-09 10:29 pm (UTC)
On the "relatedly" note, the way people do it is really one of two ways: 1) they are rich and can afford it, or 2)the are "house rich, cash poor" which means all of their money and finances goes to paying for their house, and none to savings or enjoying life.
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