Money blogs I like (rotating list)

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Day 232: How much I'm saving without even trying!

First things first, everyone. I have an announcement to make:

I have done strawberry nails.

Here they are:

I'm clutching a bottle of OPI "Indi-a mood for love," because that seems to be what one does when photographing ones manicure for the internet. Other products used were Maybelline Out Loud Lime and LA Colors Art Deco Nail Art Lacquer in Mint Green and Black.

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?


Anonymous said...

I haven't been to a movie theatre in a very long time because I just wait until they come out in DVD and borrow them from the library for free. I went to see a movie the other day and thought "Holy crap!!! It's really expensive just to get in, not even counting the overpriced popcorn and drinks!" I figure I've saved millions over the years not going to the theatre (OK, well maybe not millions, but thousands?).

Andria said...

Gah! I know exactly how you feel! I read articles like "Stop drinking soda and save $1500/year!" or "Just take the stairs and lose a pound a week!" but, like you, I don't have a lot of super-expensive daily habits, so why don't I have more disposable income? What I take from articles like that, is that they're speaking to people who already do all of these things and are used to living like that--the people who spend a lot of money on a daily basis. Therefore, a reduction in doing Activity X will net significant savings. I do notice when I don't have to drive as often how much I save on gas, but that doesn't mean I can ride my (phantom) bike the 30 miles to work every day!

I think, for me, I've cut everything I can cut, but it's hard to quantify savings on things you aren't buying. I mean, every time I drive by a starbucks and don't stop, does that mean I saved $7. Do I get some sort of karma credit for that?

It's all too much! But, clearly, you are on the right track. Press on!

Kellen said...

I agree with Anonymous - movies are expensive! And I prefer to watch them at home anyway. It takes less time, you can pause to grab a sandwich, don't have to deal with kids kicking your chair...

Sometimes I wish I could go car-free. I just started tracking how much my car costs with gas + car insurance + monthly maintenance. It's a lot more than I realized when you put it all together.

Annabelle said...

@Cyndi - I've been watching library movies for years and years... like, at least 10 or 15 years, I'm pretty sure. I just got used to the waiting period and the fact that new movies arrive completely randomly and often after I forgot I requested them in the first place.

@Andria - I think you and I both deserve a cash credit every time we go past a Starbucks and don't buy anything. I think Starbucks should pay us.

@Kellen - Totally agree!

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