I have done strawberry nails.
Here they are:
So anyway. I spend a lot of time reading other fun financial blogs (check out my blogroll over on the right ---> for suggestions -->) and lots of times there are hints that don't really apply to me. And then I thought, Hey! I'm totally saving money already, since these hints don't apply to me.
Who needs a car when you have MAKEUP?
- I don't have a car. The internet tells me that this costs about $2856 per year, on the cheap end of things. I save on gas, insurance, and car payments. I've paid my bike off, so now I pay $30/month for a bus pass and for occasional bike repairs (infrequent since they put in titanium or kryptonite or something in the tires so they never puncture anymore).
Cost of car - cost of bike/bus commuting = $2446 savings/per year!
Maybe one day I'll become a homesteader. Not anytime soon, though.
- I don't own a house. There have been zillions of articles extolling either renting or owning, but as far as I can tell from my homeowner friends, I'm saving a bunch. This article says that, on average, home ownership costs about $11,192/per year exclusing mortgage payments. With mortgage payments? More like $20,792.
Cost of home ownership - cost of monthly rent + utilities = $8192
Frugal ways to raise kids: the only toys are hoops and sticks they whittle themselves!
Then, set them to work selling whittled sticks and hoops. Gotta pay for Mama's lipgloss, you know.
- I don't have any children! I guess you get tax money from kids, but not that much. And, even taking into consideration having two incomes supporting a little non-income-earner, this website says it costs about $4000 just for the first year of child-rearing. Then, there's costs of clothes, extra food to feed them, costs for them to go to daycare and take ballet and hockey lessons and... I don't know. Here are some totally made-up numbers:
Cost of children - cost of having a cat = $7200
Oh, and also I don't smoke. But nobody does anymore, really, do they?
- I don't drink pop! Soooo many "how to save money and be healthy" articles are like, Stop drinking pop! Just drink water! But I've never liked pop and usually drink water anyway (sometimes milk or chocolate milk, sometimes lemonade). Also, I don't drink alcohol or coffee, which saves yet more money. (Yes, OK, I do drink chai lattes and decaf vanilla lattes and frappuccinos and blah blah blah, but it's not like a daily coffee addiction). This chart details the cost of having a daily drip coffee.
Cost of daily coffee and pop drinking - cost of occasional chai lattes = $157.50
Overall savings of my lifestyle: $17,995.50
|What's the verdict, Perry Mason?|
Verdict? Confusion. Why do I have so much debt when I don't have any expenses, like, at all? Oh, right. Groceries, nail polish, and clothes. Anyway. I'm glad to already have a natural frugal sort of lifestyle. It's not like I'm starting from scratch here. And since I don't foresee car ownership, home ownership, child rearing or caffeine addiction rearing their ugly heads, I'm really set up pretty well to SAVE MONEY.
Do you guys have frugal parts of your lifestyle that you never noticed before?