@kelby
active 6 years, 9 months agoForum Replies Created
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A little over a year ago I tried (what I believe was) a capsule wardrobe and only kept somewhere around 30-ish items of clothes for several months. I loved it, but somewhere along the way I began adding a few items here and there, and now my closet is pretty much back to the way it was when I started out. I just finished re-watching the Minimalism documentary on Netflix and have already started filling up trash bags with clothes that I plan to donate next week.
Hopefully, I can stick with it this time around!
I remember that time very well! With both of our daughters, we cut back on everything that wasn’t absolutely essential. Saved us a ton and we actually continued a few of the habits once things were financially back on track.
I would sell it. Have you ever tried Raise.com? I’ve never used the service, but from what I can tell it may be a good way to sell the gift card you’re not using for cash and you can even buy a discounted gift card to a store that you typically shop at.
I agree! I think I’ll just hold on to the gift card for a while and see if a better opportunity presents itself in the future.
I’ve bought a few different cars over the years and haven’t purchased maintenance plans with any of them. I wish I could say the reason was financial, but it was really because the sales/finance people always seemed really shady so I never fully trusted what they were saying. After hearing multiple horror stories from people that did the opposite and purchased maintenance plans, I’m confident I made the right decision.
I’m with Kayla. I’ve used Mint, Mvelopes and a few others but I can’t find anything that beats an excel spreadsheet. For me, there’s just something about having to manually track everything that makes me think twice about unnecessary purchases.
Two days? How exciting!!! I wouldn’t stress one bit about buying Christmas gifts, since the little bundle of joy will be a gift to the entire family. We faced a similar dilemma a few years ago when our oldest was born in early November. We didn’t buy any gifts and the family understood. I’m sure that’ll be the case with you, as well. And even if they don’t, you’ll be so busy with the baby that you won’t have time to care.
I’ve been approached twice about co-signing on loans, once for a close friend and once for a family member. Thankfully I said no both times. Fast forward a few years and although one of them found another co-signer and the other was able to get the loan on their own, they both ended up defaulting.
Talk about dodging bullets!!
All of that to say, my answer would ALWAYS be no when it comes to co-signing loans. However, if you want to let them down gently, just say that you’re planning to buy a (*insert large purchase: house, car, etc.*) in the next year and really can’t afford to have any additional debt on your credit report.
Hope that helps!
I thought I was the only one that was going insane by the sheer amount of Black Friday/Small Business Saturday/Cyber Monday emails I was receiving. Argh!!! I’ve used unroll.me in the past to unsubscribe from multiple promotional lists in one swipe. This reminds me that I might need to revisit the app.
I’m with Kayla. I’ve had the same savings account for as long as I can remember and the small increase in rate that I might receive by switching banks doesn’t really seem worth the effort.
I haven’t tried it, but I love the concept. The frugal side of me is concerned that I won’t be able to use coupons and would end up spending more. On the other hand, the I-hate-grocery-shopping-with-a-passion side thinks you can’t put a price on the feeling of bliss felt by never having to step foot in a grocery store again. LOL!
