(My computer has gone "kaput" so no recent photos but I found some oldies. Enjoy.)
Well, my friends, 2015 is the year I incorporate frugality into my vocabulary. Don't get me wrong. I have always been relatively cautious with my spending, but the word "frugal" is one I have never wanted to adopt.
Growing up we had little to no money for spending. Back then, it wasn't so much about being frugal. It was a matter of not spending because there was no money to spend. One had to be frugal to manage the pennies each week.
I think because I have social anxiety, asserting my needs and wants has been something I was never able to do. In many ways, I really didn't know what I wanted, let alone know how to impose that on someone else. When I was younger, there is no way I would have asked my mum for the latest pair of jeans or some cool top or a neat line of stationery. When I first started to work in a permanent position on a fixed income, I literally didn't know how to spend. I would constantly think of what might happen if I overspent and didn't have any money left. Again, social anxiety at work!
I had to learn to spend. I had to learn to enjoy my money. And eventually I did.
But this was not about being frugal. This was about not knowing how to be with money, even though in the course of growing up and being fearful of overspending, I actually learnt many useful ways of saving money.
I think I have been averse to "frugality" because it often seems to be about putting money above people or money above the quality of a product or experience. Of course, different people have different priorities.
For me, I want nourishing food over cheap, processed foodstuffs. I want a long-lasting garment which can be worn and enjoyed over a $3 bargain which was made by whom? where? under what conditions? and of what quality?
For so many years I found it hard to connect with people and neither did I eat a wide range of food when younger. So as I got older, I made it a priority to accept invitations to eat with friends and colleagues, even though I might not each as much as them at a restaurant and we would be sharing the bill. A chance to (learn to) be with people was what counted.
Fast-froward to 2015.
My partner is very frugal. He wants to finish off all the food in the fridge and not throw anything out. Every penny is important to him. I want to respect what is important in his life and I want to support his endeavours. So this year, 2015, I have increased the repayments of the mortgage. I've realised that if I practise some of Mr S's money-wise habits this is something we can manage, not forgetting the fact I love setting myself a challenge.
I'm working on the philosophy of every penny counts. A lot of good money habits also resonate with my goal to live simply and make choices that are earth-friendly and people-friendly. In addition to keeping a budget, spending wisely and living simply, here are some of the ways I hope to save a little:
- think twice before grabbing a cinnamon roll or snack from the bakery
- use the wood heater for heating when winter comes, once a week, and sometimes use candles rather than electric light
- return library books on time (which I did yesterday, knowing this was now part of the challenge - to avoid the fines which I always get)
- turn off the power switches when not in use
- turn off the TV when I'm not actually watching it (consider one TV-free day a week)
- use my phone to alert me to due dates so that bills are paid on time and no extra payments incurred.
- lunch at school gobbles up my money....try to take food from home at least three times a week
I expect that by putting these things into practise it will actually make me think twice about all spending. So, 2015, here comes Ms Congeniality Frugality!!
