How I Eliminated $1000 From My Monthly Budget - youramericanmoney
Author: Michelle
Description: * In order for me to support my blogging activities, I may receive monetary compensation or other types of remuneration for my endorsement, recommendation, testimonial and/or link to any products or services from this blog. Please read my disclosure here.* I never realized how much fat was in my monthly budget until I desperately, urgently, wanted […]
Date: 2016-10-26T09:00:00+00:00

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# How I Eliminated $1000 From My Monthly Budget

posted on 26 October, 2016

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* In order for me to support my blogging activities, I may receive monetary compensation or other types of remuneration for my endorsement, recommendation, testimonial and/or link to any products or services from this blog. Please read my disclosure here.*

I never realized how much fat was in my monthly budget until I desperately, urgently, wanted to leave my old job. I knew that in order to do that I needed to slash my budget…by a lot.

I was super motivated but I won’t lie, it was really hard to do in the beginning but there were 5 areas that I purposely (and accidentally) focused on that made all of the difference.

## Shopping

I love fashion. I love: coats, cute hats, shoes, and accessories. For some reason that I can’t figure out, I decided to do a No Shopping Challenge…for a year.

It worked. I broke my shopping habit like a bad piece of technology. I also discovered that I was shopping when I was bored, when I was lonely, and out of habit.

When I reintroduced shopping back into my life I have to admit I was worried. Would I go back to my old ways? Would I forever have to say “no” to pretty new things?

Nope! Fortunately, I figured out some strategies that enabled me to shop from time to time, enjoy my new items, and not go broke!

- Ebates.com-I was slow to understand how fabulous Ebates.com is but you earn rebates as you shop via the Ebates.com portal. Just sign into your account and then find your favorite retailer, buy your items and earn some cash back. If you’re new to the site and sign up with using my affiliate link, you’ll receive a $10 credit towards your first purchase.

- ThredUp.com my favorite online consignment shop. They have an amazing variety of fashionable gently used or brand-new items. ThredUp also has a closet cleanout program where customers request a closet cleanout kit and ship your items to ThredUp (for free). If your items are approved, you will receive a credit or cash. Nice.

I don’t shop that often anymore but when I do, I strategize and make sure to use these resources so that I save money. #neverpayretail

## Groceries

I love food. I love: buying it, eating it, looking at it, you get the picture. The point is I live to eat. As a result, there are very few cooking ingredients I don’t enjoy cooking with.

But, my grocery habit was out of control. Like most Americans, I have a ton of food in my house. I had a well-stocked pantry, food in my freezer, and a ridiculous amount of spices courtesy of Whole Food’s bulk spice area. I made a couple of easy tweaks to my grocery process that saved me a ton of money:

- I cut down my shopping frequency. Instead of popping into my favorite store several times a week. Shockingly, that saved me a lot of money.

- I started planning my meals. No, I’m not intense about it like some people. I just look in my fridge and in my pantry and then Google new ingredients if I’m bored with what I’m eating.

- I eat seasonally as much as possible-it’s cheaper.

- I now use Ibotta, a grocery app that helps me save money on my groceries. I really like this app because it always has vegetables, eggs, soy milk, basically, the food that I like to buy. I did notice that the more I used the app the better my deals became. Sign up using my affiliate link and get $10 towards your first $20 payout. Once you earn $20 you can transfer it to your Paypal account or redeem it for a gift card. I also love Ibotta because it was developed in Denver. Love Denver? Check out my website all about it.

- I rocked some No Shopping Challenges as well. Yep, I decided to stop buying food and just…eat what I had in my home. I know, crazy talk. You would be amazed at how long you can do a challenge like this but you do have to listen to your body and make sure you eat balanced meals.

- Soda Stream Dreams! I purchased a Soda Stream which helped me manage my sparkling water addiction. I’m addicted to Perrier, but that addiction was getting expensive.

## Bye, Bye Verizon

A couple of years ago I was paying $105 a month for cell-phone service. Did I mention that the price included a state employee discount?! Each month I became angrier and angrier until I just couldn’t take it anymore. I was spending $1260 a year on phone service and I don’t even enjoy talking on the phone…even though I love to talk to people in person.

I side-hustled to pay my way out of my cell-phone contract and said hello to Republic Wireless and a $30 unlimited monthly bill. Nice.

## Hair

I do my own hair nowadays and have for a long time. It doesn’t mean that my hair looks fabulous, but it does mean that I no longer sit for hours getting my hair done and paying a ton every couple of months on extensions, straightenings, etc.

## Mani-Pedi

I love getting mani-pedis but is stopped getting them and started doing them myself. I do treat myself at the beginning of summer but, in general, I do it myself.

## Live Small

My home is small. I bought it several years ago and even though I do plan on renting it out at some point currently it saves me a TON of money on housing costs. The average one-bedroom in Denver costs a minimum of $1200 and I don’t pay anything close to that and I love it.

## Transportation

My transportation needs are simple but I used my transportation benefit at my previous job and was able to ride the bus for free. I didn’t own a car so I paid nothing for transportation.

Now I work from home and do own a car that I paid cash for (that I never use). I normally ride my bike, walk, or take public transit to get around.

## Am I Suffering?

No, I feel very relaxed and happy. By embracing these different choices I’ve slashed my monthly budget by $1000 or more a month.

I’ve also noticed an increased level of simplicity in my life as I continue to simplify my expenses and get rid of items and habits that don’t serve me well. But, personal finance is personal. I’m not saying that you should do what I’m doing, but, I’m hoping that some of these ideas and tools will be helpful to you.

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#### Michelle

I am an obsessive foodie, but not self-righteous with it, love travel, meeting new people, helping you look good, and am freaked out by people who don't enjoying reading...something! Grab a Perrier, read my blog, feel free to drop me a line! Hope to hear from you soon.

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### Comments

1. giulia says

   26 October, 2016 at 4:11 am

   During shopping ban you understand how emotions are connected with shopping, but when you are on a busget not only you understand what is wrong try to understand and add new skills to lower your bills still keeping some things, for example I love cofee but I limit coffee date twice per week, I love clothes but now I buy only thing are in my approved shopping list, when I need and if the nwew item can be mixed and reused with all items I already have, buyin local and seasonal fruit and veggie and take a amount for fun stuff 8usually for me real books)

   Reply

   - Michelle says

     30 October, 2016 at 1:29 pm

     Giulia, I was so amazed to discover all of the emotions connected to my shopping. I love fashion but the amount of mindless shopping really surprised me. Going out for a nice coffee is my weekly treat but I always order the smallest size. I DO get a posh coffee usually on Sundays (think an almond milk latte). As for fashion, I’ve basically killed my habit. This year I think I’ve spent less than $500 on clothes and shoes. No one even noticed.

     Reply

2. Jason Butler (@Butler_Journal) says

   27 October, 2016 at 1:32 pm

   Those are some great tips. I need to go on and download Ibotta

   Reply

   - Michelle says

     30 October, 2016 at 1:30 pm

     I love iBotta (or, just grocery apps in general) they are a SUPER easy way to save money.

     Reply

     - thiswifeslifeblogger says

       5 December, 2016 at 7:29 pm

       I too love iBotta! And even if I don’t go into the store with using it in mind, there’s usually something on there that I’ve bought. Earned more than $120 back so far. Great blog btw!

       Reply

       - Michelle says

         6 December, 2016 at 8:11 am

         I’m obsessed with it and I also love that it was developed in Denver (where I’m from!) Supporting local business everyday.

         Reply

         - thiswifeslifeblogger says

           6 December, 2016 at 8:14 pm

           Me too…I’m in Colorado Springs. 🙂

         - Michelle says

           6 December, 2016 at 9:41 pm

           🙂

3. Kelly says

   29 October, 2016 at 9:56 pm

   Nice strategies, Michelle. I’d still have my mani and pedi done in Salon because it takes so much time when I do it, though.

   Reply

   - Michelle says

     30 October, 2016 at 1:39 pm

     LOL!! I love getting my mani-pedi done!

     Reply

4. Centsai says

   4 November, 2016 at 1:52 pm

   When it comes to shopping, I tend to lose track of how much I spend! I get so caught up in the moment, especially at the mall when there are at least 20 different stores I want to spend all my money at! The No Shopping Challenge sounds like something I should give a try, but that will definitely take all of my will power to follow through on it! Thanks for sharing the online consignment shop with me, I am very interested in checking that out right after I post this comment! 🙂

   Reply

   - Michelle says

     6 November, 2016 at 1:11 pm

     I was amazed at how easy the No Shopping Challenge was once I really committed. But, for now, I will shop via ThredUp…but, I have to watch myself because I find that I want EVERYTHING! LOL!

     Reply

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