It is that time of year where I start to sit down with my husband and think of ways we could come together to save some money in the New Year. Every year, I claim I am going to try to save some money, but then the next year rings in, and I realize that I failed on my resolution. So this year, I decided to really follow through in my course of saving money for my family.
One of the main things we are doing to limit our spending is to cut down on our credit card usage. Although my husband is excellent in making sure all our bills are paid and we are never go over our limit, I have vowed to make a conscious effort to limit my spending. I tend to be drawn in when I go to stores to open up a credit card. When I go to my favorite stores and hear the line, “You will save 10 percent by opening up Store A credit card today”, I always end up succumbing. It is so hard to not want to save, but at the same time, having too many credit cards would negatively affect our credit rating. So, this year I vow to not open any more credit cards.
We also decided at the same time to not spend unnecessarily. I know this is easier said than done, but so far, I am holding up on my word. I am a huge shopper and one of my favorite pastimes is to browse the stores, or go to the internet to shop online. I would easily register for my favorite shopping sites, and wait for a notice of a sale, and off I went. My method of thinking was I was saving money by getting all these incredible sales. What my husband made me realize is that saving money on a sale is not saving money when you don’t need the item in the first place. This is so true! That sweater that I needed- it wasn’t actually a need- it was simply a want! I vowed to replace my love of shopping to those things that are needed, rather than wanted. That is not to say, I won’t shop for myself. If I said that, I would be blatantly lying to myself. Rather, I will arrange to have one shopping day a month. If I limit my “me” shopping time to one day and put a limit on my spending in that one day, I can end up saving much more than spending on clothes on a regular basis.
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If I ever needed any help with my any of these areas, I would definitely use CareOne Debt Relief Services. Be sure to check out this site to help with your financing needs in the new year.
*This is a partnered post with CareOne Credit. This post was written by me and all my opinions are my own and not swayed by outside sources.