It’s been a long time since I confessed my morning person tendencies. Since my audience is expanding, and there are new readers out there (Thank You!), I figured I would give another peak into the quirks that make-up the real me.
I am … a saver.
Given a choice of saving or spending, saving wins most of the time. You know that stimulus package that put a extra $40 a month into our paychecks? Emergency fund. My new part time job salary? IRA and mortgage paydown.
Okay, “saver” is a bit generous. “Tightwad” is probably closer to what some of my friends would say. Personally I prefer “fiscally responsible”.
I remember I was a pre-teen when my mom showed me that Rice Krispie treats could be made with store brand “Crispy Rice” and still taste the same! Generics became my friend that day.
I must admit, though, that if I’m bringing items that others will see, I’ll pay for the name brand … and hope I can find a coupon for it! I’m a little ashamed to admit that. I wouldn’t mind if someone brought a generic product to serve me. I’d respect it actually. I guess I’m too afraid of being labeled “cheap”.
It has been 20 years since I saw Amy Dacyczyn of The Tightwad Gazette on Phil Donahue. She was preaching to the choir with me. Her newsletter (I was a subscriber) and books (I check them out of the library periodically) taught me to be more methodical about it.
I was trying to come up with examples of my fighting in the face of frugality, yet even my most spendthrift ways have had fiscally sound elements!
With the money I received from the sale of a house, I moved for England for two years, living primarily off savings. Mentally it was what I needed. It was the adventure of a lifetime and well worth every penny I spent. That statement is easy to say because before I left I mentally set aside 3 months of living expenses for when I returned home, plus enough to pay cash for a used car. It was scary watching my savings account drop and get closer to the “move home” balance, but I was never tempted to touch those funds.
Squirreling away money comes naturally to me. Squirrel!
Yes, I get teased for not having cable or for stoning my own ballroom gowns (with the help of friends!) to save 50% or not having gone out to lunch in the last 4 years. But all of that meant that a huge cut in pay didn’t result in losing my condo.
I don’t sit at home keeping warm by rubbing two pennies together! I still do things and buy things, I just have the money up front. How un-American!
What are your money memories from growing up? What are some of your frugal tips? I always could use new ones!