just for the record.
Living on a Youth Worker’s salary in the big city…is tough. In my previous life as a Marketing and PR girl; I became accustomed to nice things like cool clothes, travel, first class flights, 4 – 5 star hotels, hand bags, catching concerts and having a life. I wanted to live an affordable life but not beyond my means as a Youth Worker. So I learned to adapt to a healthier lifestyle of spending to allow myself luxuries within reason.
Sign up to websites like smartcanucks.ca, gocoupons.ca and save.ca to get a head’s up on what’s on sale and where you can cut corners on purchasing groceries and clothing on a weekly basis. Coupons are free money!
If you plan your grocery list in advance along with the coupons you may have clipped from magazines, flyers or printed off the internet you can look to save 50% off your total grocery bill in these economic times.
It’s easy to buy tons of stuff that is on sale…but remember to ask yourself do I really need 12 boxes of cereal? Sometimes you can hold off using those coupons for the next go around of sales in a month or two.
Try and swap coupons you have with other friends and family. There’s no need to hoard them. Share the wealth!
Yep, its one of those age old things. You want to save money but somehow money seems to fly out of your pockets. We all suffer with the case of ‘broke – itis’ at some point.
We all want stuff we don’t need. It’s easy to eye that Boston Crème donut at Time Horton’s after we placed our order at Tim Horton’s or flip through the Best Buy flyer and salivate over the Blue Ray DVD sale this upcoming weekend. And so it begins. Our eyes have become too big for our pocketbook.
Men and women – we are all victims. It’s a cash hit and run. How do we get a handle on it?
Well it comes down to visualization. What are our goals? Well maybe we want to alleviate debt, pay down our mortgages or we just want to have money in the bank for that rainy day. We need to picture it, dream it, eat it and breathe it. Visualize saving money is key.
What could work for some really well is writing down the goal on a piece of paper or sticky note and put it in your purse or wallet. So whenever you open up that lil pocketbook you are instantly focused on your goal.
Make it a simple goal at first. Baby steps people! For example: ‘I’m saving for that trip to Chicago this summer’. Or ‘Hey, what you doing there Willis? Keep the cash in the wallet!’. Or ‘Remember saving up for that new Ipad’.
Let’s be honest, sometimes these quick lil notes of encouragement will work. Sometimes not so much. You have to be patient with yourself.
You can also make an appointment with your local money manager at your bank to help you manage your money on a weekly basis based on what your earn, what you need for groceries, expenses, utilities, kids and other basics. Look you don’t need to live a miserable life. It’s just about tightening up in some areas with the help of an impartial person who won’t judge you.
Speak to your friends and family about how they save money. They may hold some ‘doable’ tips.
Once you have a bottom line then you know what you can play with on a daily basis. So that means if you need that Time Horton’s fix every day you know that you can afford it so you won’t be in the red every week. It adds up as we know within the course of a month.
Look, it’s going to take time. So be patient. Check in with the money manager once a month until you find some footing. Keep your weekly receipts and bills for purchased items to go over with the money manager. Remember this doesn’t have to be a pain in the neck. Make it work for you and reap your rewards at the end of the day.