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The Watercooler
How Often Do You Shop?
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<blockquote data-quote="Lil" data-source="post: 707345" data-attributes="member: 17309"><p>Well, That would work for me because I buy clothes once in a blue moon and shoes even less often, so I don't really know. LOL I'd imagine that, if you buy often enough you need to budget $50 a month for clothes, you could. But, you don't get rid of your checking account after all, so things that are new household items, like lawn mowers and towels and lamps, you don't really "budget" for with envelopes. The idea is you leave some money in the account or move it to savings so you could use that for big ticket or unexpected items. The envelopes stop the indiscriminate spending. You don't eat out for lunch, you take it to work from home, when you only have so much to spend on eating out...for example. You don't buy a dozen candy bars at the grocery store, or some exotic cheese you just have a wild hair to try and may not even like, when you know you have a set amount of food money. </p><p></p><p>It helps that I'm extremely cheap. LOL Really, I never spend money on myself. I wear undies until they fall apart and have been known to sew them up. I save chicken bones and make my own broth, even though canned broth is cheap. I just started saving vegetable trimmings to make veggie stock. We save plastic containers that food comes in for lunch boxes. While my coworkers are all eating out almost daily - I bring lunch. I don't even get my hair cut until I just can't stand it anymore. Maybe 4 times a year? Cheap...not frugal...miserly CHEAP!</p></blockquote><p></p>
[QUOTE="Lil, post: 707345, member: 17309"] Well, That would work for me because I buy clothes once in a blue moon and shoes even less often, so I don't really know. LOL I'd imagine that, if you buy often enough you need to budget $50 a month for clothes, you could. But, you don't get rid of your checking account after all, so things that are new household items, like lawn mowers and towels and lamps, you don't really "budget" for with envelopes. The idea is you leave some money in the account or move it to savings so you could use that for big ticket or unexpected items. The envelopes stop the indiscriminate spending. You don't eat out for lunch, you take it to work from home, when you only have so much to spend on eating out...for example. You don't buy a dozen candy bars at the grocery store, or some exotic cheese you just have a wild hair to try and may not even like, when you know you have a set amount of food money. It helps that I'm extremely cheap. LOL Really, I never spend money on myself. I wear undies until they fall apart and have been known to sew them up. I save chicken bones and make my own broth, even though canned broth is cheap. I just started saving vegetable trimmings to make veggie stock. We save plastic containers that food comes in for lunch boxes. While my coworkers are all eating out almost daily - I bring lunch. I don't even get my hair cut until I just can't stand it anymore. Maybe 4 times a year? Cheap...not frugal...miserly CHEAP! [/QUOTE]
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