The Overspent American. Help me, I hate budgeting!!

How do thrifty folks NOT do that?
We accept the fact that shopping is not a hobby.

I had a eureka moment about this when I was expecting my second child. I didn't shop all that much -- not as much as some people -- but I did like finding a bargain . . . even if it was for something questionable, something I might not need or something that was an upgrade of a perfectly good item I already had . . . Anyway . . . I was clearing out what had been a guest bedroom/hobby room so it could be made into a nursery for the second baby . . . and I found bags and bags of things I'd bought and shoved into the closet. Some of them were things that I'd bought with a certain thing in mind (I specifically remember that there were bags of pink first birthday items -- and at that point my daughter was almost three). And some things I'd bought thinking, "This'll be a great gift for someone sometime." Yet there it sat, multiple Christmases and birthdays having passed by. And some bags held practical things that I really could've been using: toothpaste, maternity clothes . . . yet I hadn't realized they were there! Clothing items were a problem: I had shirts that matched nothing (which is why they were on clearance in the first place) or toddler-clothes that my daughter'd outgrown without every wearing -- or, even worse, things like toddler shoes I'd bought a second time, not realizing I had black Mary Janes in that size already.

At the time I'd bought these things, we'd been really scraping by financially . . . and it really hit me that I'd been worried about money, had skimped on groceries, was driving an old car . . . and yet AT THE SAME TIME I'd bought this quantity of junk that was stuffed into a guest bedroom closet and was never used. It was a wake-up call for me. I'd thought of myself as thrifty because I was buying things at good prices . . . but the reality was that things I didn't need were wasted, no matter how low the price. I had a decent yard sale, but a yard sale never actually MAKES MONEY; rather, it just recoups a portion of the money you've already spent.

Why'd I do this? It was that I was using shopping as a hobby. I didn't plan it. If I'd been thinking about what I was doing, I would've made better choices. I'd stop at the stores on the way home from work -- just as a diversion, just because it's what people do -- and I'd buy stuff. Just stuff.

And often while I was out, I'd find something on sale -- something I needed, something that was a good bargain, something I could justify buying. Or I'd see something that I hadn't even thought about wanting -- a necklace or a baby outfit -- and then I'd keep thinking about that item 'til eventually I'd go back and buy it. If I hadn't seen those things, I wouldn't have desired them. And it's so easy to justify purchases: It's for the kids (do they really need another toy? does a growing kid really need more shoes in this size?), or it's for our vacation, or we can always use more glasses in the kitchen.

Have you ever heard anyone call Target the $100 store? You can go in there intending to buy two specific things, and you come out having spent $100. That's the mindset you have to overcome.

From what you're saying, I'm sure you're doing the same thing: Using shopping as a hobby. So it's a matter of changing your habits. Keep a running list of things you really need, and decide that you'll shop only at scheduled times. Calculate your needs carefully and set aside time/money appropriately -- the theme here isn't, "Do without"; rather, it's, "Don't go overboard". How many pairs of jeans do you really need? How many pairs of sandals? Remember that "window shopping" leads to buying -- of course, then, there's gas, time, and often a soda or a snack while you're out. Calculate the total cost of shopping.

So you need something else to fill your time. You know your interests. Choose something!

A related topic: A friend of mine told me once that there's a Catholic principle about avoiding places or situations that cause you to sin. So if you're an alcoholic, you should avoid going to bars. If you're an over-eater, the buffet is a poor choice for you. Putting yourself into those situations TEMPTS you to do what you know you shouldn't. If you're an over-spender, that theory says you should stay out of the stores when you don't have a specific need to be there.
 
I get in moods where I feel like shopping and here's how I get away from pulling out the credit card:

1. I have a difficult child that I loathe to take into a store so I mostly shop online.

2. When I feel like shopping, but don't need to be shopping for anything or see a deal I think I *should* take advantage of I go to that website and fill up my cart, then close the window and delete the sale email. That way I still shopped, but didn't spend anything.

3. I check books/movies out from the library. Coming home with a big bag of books feels like I've been shopping and I love to read.

4. Clean out a closet or room that I haven't messed with in awhile, sometimes I find clothes I've forgotten about or other things like that.

5. I am working on getting out of debt and not using credit cards anymore so on the wall right next to my computer I have a list of all of my debt, amts and payment amts hanging up. You could do the same thing with another goal, a brochure for vacation for example.
 
My therapy is yard sale shopping!

Today we got some fantastic deals and things that I would have loved to have just gone and bought new, but I got it at about 10 cents on the dollar and most of it is in very new condition.

I realize you can't do this daily, but I also do go to thrift stores.

Dawn
 
I loathe shopping unless it is for groceries or books. Clothes I buy online because I'm hard to fit, 5'11" and size 4, and I hate pawing through racks and not finding the color and size I want. I also realized a long time ago that no one w/ any brains or class is impressed w/ anything that can be bought at the mall. Real estate, a great trip, those things will make money or will be an experience you remember. A new shirt, a dust catcher for the house...you may as well throw the money in the toilet. What a previous poster said about getting an inexpensive hobby is true. I've always been a reader, I love to take walks, I cook...very cheap hobbies. I like good movies too, but since I never buy anything to eat or drink at the theater that is a cheap outing. Things just get in your way, and limit the time you have to spend on really enjoyable pursuits. There is also lots of enjoyment to be had in realizing that you ended the month w/ more money than you started w/.
 

This is truly a great thread! Suze Orman, Oprah, and fellow disers talk about paying off the debt, but little goes to how to just STOP the spending. How does one talk oneself out of getting in the car, and fighting the magnetic pull to the stores? It is a strong pull for many of us, isn't it? ;)

But, what I try to remember is the lifestyle of many of my European relatives, who travel a lot more, live with a lot less stuff(tiny apartments, tiny closets), linger over dinner or coffee, and really take advantage of the midday "siestas." Why can't we be like that? Ok! I want to be like that. My biggest problem is buying something I don't need because, "It's such a good deal!" Europeans buy good quality items, and would rather have a few really nice pieces of clothing than 20 Target tank tops in every color in the rainbow. They would rather savor an expensive chunk of cheese, than the Pringles on sale for $1. They also don't go to Costco.

We should learn a bit from them and find pleasure and happiness somewhere either than a store. Until then, I will peruse my Sunday ads for those good deals! :sad2:
 
You can also shop for a specific something that you know you need and only that.

For example, I spent some time today browsing through shoe stores because I'm truly in desperate need of shoes and I want some that are comfortable in a themepark or at work. I didn't buy anything but I priced a lot and found some that I like. Now I need to decide which ones I want most and then I will order or buy them from wherever I can find the best price.

This takes some time and is truly shopping but only for what I NEED and not what I WANT. It takes some discipline but you just have to put the blinders on and stay focused.
 
one thing or i should say 2 people that keep me from over spending are my 2 & 3 1/2 yr old! everytime we go to the store they always act up! so i like to get in and out if i have my 3 kids with me. my youngest just sleeps while we shop lol! so the off chance i actually get to shop alone or with just my youngest DD then yeah i do spend a bit, but only as long as our bills are paid, the kids have everything they need and we have money set aside for gas. but yeah i really dont do that much since my babies come everywhere with me :lovestruc
 
It sounds to me as though your problem is not that you want to spend, but that you're bored and shopping just seems like the thing to do. Get yourself into another hobby. Perhaps something that will ultimately save you money. For instance, start a garden in your backyard and save on fresh produce. Learn to sew or knit and save on clothes.

In our household, we don't care so much about stuff, we care about travel. Sure, we don't have the latest gadgets, and our clothing style leaves something to be desired, but our photo albums of the places we've been and the things we've done fill our shelves.

We are also big on vacations.This is pretty much the only thing we ever splurge on. We have a big family, so I do tend to accumulate stuff all year for gifts, and this year I am writing it all down so I know what this really costs :scared1:. I'm not a big shopper, but I will hit clearance sales and the like, and I also buy alot of gift items online (clearance of course). Just yesterday I did one of my rare shopping trips..I needed a few clothing items for an upcoming trip so went to Penneys and bought a few things on sale, and also a few clearance clothing items for gifts for grandkids and DH a pair of work pants (he's a vet tech and you wouldn't believe how quickly his work pants get ruined). Usually I buy clothes from thrift stores, eating out is usually Wendy's or Arby's, our cell phone is TracFone, no gaming systems, no big flat screen TV, modest house, old furniture, etc. In a month we'll have everything paid off except the mortgage and a few straggling medical bills. That feels better than any stuff.

PS..I DO scrapbook, have a ton of stuff for it (most bought, you got it, on clearance) and believe me it doesn't take 5 minutes to glue in $10.00 worth of stuff. I have things I have used bits and pieces of for YEARS and I save little paper scraps and use as accents etc. To me, scrapbooking is just kind of a way to prolong a vacation or a memory, since I relive it all while scrapping it. I usually make scrapbooks as gifts, while the ones I want to make for me slide by, and I think they are enjoyed by those that get them.
 
MrsPete, thanks for taking the time to write such a thoughtful and helpful post. The part about finding unused items in your closet was something everyone should read.

When I moved last year, I threw out about 12 lawn sized trash bags of stuff every week. It was simply too much to move, and stuff that was no longer needed. I also had 3 garage sales. The scary part was finding clothes with tags, toys that were bought as gifts and never given, unused wrapping paper, etc. etc.

That was it for me. I can't buy anything now without thinking about it 10 times. I have plenty of room in my closet and kitchen cabinets because I don't buy too much stuff anymore.

It has freed my mind, saved me money, and made it much easier to clean. The only problem is that I now have a reverse mindset where I feel guilty if I spend money on myself.
 
WEll... I guess I have killed any inclination I might have to do some random shopping. Having said we don't buy big ticket items, yesterday we went out and bought a minivan :rolleyes1 My "Old tRusty" was a '97 with 216K miles, more than its share of body rust (lots of salt and chemical melter here on the roads in Maine), and needing about $3000 in front-end repairs to pass inspection next November. The "new" van is a 2007 Grand Caravan with 53K miles on it. They gave us $1200 in trade for my old van, which is about 3 times what it was worth, and they came down in price, and the payments are within the budget. It'll mean tightening the belt for awhile... but we'd been driving "Old tRusty" for 10 years and it wasn't smart to keep repairing it, because once one thing was finished, another would have come along. The interesting thing was I didn't know we were buying yesterday... I thought DH just wanted to look at a few vehicles and do some test-driving. We bought the first one he saw (although DD and I have been test-driving several vehicles in the area for a couple of weeks...). The thought of payments doesn't make me happy, but otherwise I am psyched :yay::woohoo:
 
This thread is really interesting to me! I was recently diagnosed with severe sleep apnea, and so I was always too tired to go out and buy anything but the necessities. Now that I'm being treated, I literally have like 6 extra hours in every day off that I used to be asleep. Not to mention three times as much energy. Man, do I want to get out of the house! And leaving the house usually means spending money for me! Shopping, meeting my sister for lunch out, movies, whatever. I really need to learn to be happy at home, because I can't afford an outing every day just because I'm awake and rarin' to go now! Yeah, I know I could be taking walks in the park, gardening, organizing the garage. But for some reason that stuff doesn't sound as fun as spending $$$. :rolleyes1 Wish me luck!
 
This thread is really interesting to me! I was recently diagnosed with severe sleep apnea, and so I was always too tired to go out and buy anything but the necessities. Now that I'm being treated, I literally have like 6 extra hours in every day off that I used to be asleep. Not to mention three times as much energy. Man, do I want to get out of the house! And leaving the house usually means spending money for me! Shopping, meeting my sister for lunch out, movies, whatever. I really need to learn to be happy at home, because I can't afford an outing every day just because I'm awake and rarin' to go now! Yeah, I know I could be taking walks in the park, gardening, organizing the garage. But for some reason that stuff doesn't sound as fun as spending $$$. :rolleyes1 Wish me luck!
You can still have those lunches out! I suggest getting the Entertainment book and then you can dine at many places for half price.

Hit matinees for movies. If you go to the first matinee sometimes it only costs $5.00.

My point is that people can still do a lot of things but for far less cost. That's how I budget.
 
I am extremely thrifty - prefer not to spend any money at all if I don't absolutely have to - with the exception of used books online..;)

However, if I have a day when I really, really need a "shopping fix", I empty everything out of my wallet except for $10.. I then go out in search of a garage sale (looking for books, of course - or magazines, which I don't buy new anymore).. If I can't find a garage sale, I look for a Thrift Store.. If the Thrift Store is closed, I hit the Dollar Store and usually find some good deals on items for my scrapbooking.. The need for a "fix" doesn't hit very often at all - not even once a month - but at least I know that when it does hit, the most I'm going to spend is $10..:goodvibes
 
I LOVE to shop but am still very thrifty. My sister and I like to go out to all the stores on the weekends. Many times we get home and realize we didn't even buy anything! :lmao: We can spend hours at Target or Ross and walk out empty-handed. We try not to buy anything we don't need.

I love the thrill of finding something on clearance. We are always getting compliments on our living room. It's made up mostly of quality stuff that we bought at yard sales: a $15 glass coffee table, $9 floor lamp, etc. Vacations are our "splurge" and even then we stretch our dollar as much as possible.
 
After my divorce, things got very bad money wise. I was not use to that as I went from my parents house at 18 to being married with both of us working and doing well.
I can see the difference in when my older kids were younger vs my youngest son (huge age gap). For the older ones, I could buy the two new HeMan figures and all was good. Now it's Playstation but wait, a new model came out and the new games don't work so you have to buy Playstation II with all new games but wait, now there's Xbox and on and on.

My daughter in law and I were talking about the gift bags for kid's parties and the expensive birthday parties now. I just don't know what happened to having the kids over for games, cake and ice cream.

With my younger son, I started feeding into it all and getting myself broke. I started thinking about my parents and grandparents and how they spent money. They had money in the bank, didn't use charge cards, had a vacation home paid for. My mom had a pair of tennis shoes, a pair of sandles and one pair of dress shoes. She had one purse. We only got toys or gifts on birthdays and Christmas. I see parents all the time walking out of Walmart and their kids have a toy in their hand. I was guilty of that also.

I think we got conditioned to spending money on "stuff". This is dating me but I had one of the first VCRs that were about $700 and it wasn't Beta :rotfl:
Out of necessity, I had to change my views and just stop. I do not have a flat screen tv as my old tv's are still working and won't be replaced until they die. I have 5 pairs of shoes and will not buy more just because I see a color I like better. My son built my computer in the livingroom and gave me his used laptop as his school got him a new one. I just don't feel the need to have new stuff anymore. I prefer to go on drives to see new scenery, hiking to see waterfalls, gardening. As another poster said, I am a jeans and tee shirt person so I'm lucky there. People have tried to get me to dress up but I just don't like to.

When you get in the mood to shop, ask yourself; do I need groceries, do I need new clothes because one ripped, holes (whatever), do I need a new pair of shoes because I honestly don't have any to wear, is there holes in all of the towels that I have to go get some new ones, etc. 99% of the time, the answer will be no. As others have said, it's become an addiction when bored to go shopping. It's very difficult to all of a sudden say you won't do it anymore and find something else you are interested in. I was lucky and had someone who got me interested in other activities. The trick is, realize why you are going shopping and try to find something else that will take up your time.
 
After my divorce, things got very bad money wise. I was not use to that as I went from my parents house at 18 to being married with both of us working and doing well.
I can see the difference in when my older kids were younger vs my youngest son (huge age gap). For the older ones, I could buy the two new HeMan figures and all was good. Now it's Playstation but wait, a new model came out and the new games don't work so you have to buy Playstation II with all new games but wait, now there's Xbox and on and on.

My daughter in law and I were talking about the gift bags for kid's parties and the expensive birthday parties now. I just don't know what happened to having the kids over for games, cake and ice cream.

With my younger son, I started feeding into it all and getting myself broke. I started thinking about my parents and grandparents and how they spent money. They had money in the bank, didn't use charge cards, had a vacation home paid for. My mom had a pair of tennis shoes, a pair of sandles and one pair of dress shoes. She had one purse. We only got toys or gifts on birthdays and Christmas. I see parents all the time walking out of Walmart and their kids have a toy in their hand. I was guilty of that also.

I think we got conditioned to spending money on "stuff". This is dating me but I had one of the first VCRs that were about $700 and it wasn't Beta :rotfl:
Out of necessity, I had to change my views and just stop. I do not have a flat screen tv as my old tv's are still working and won't be replaced until they die. I have 5 pairs of shoes and will not buy more just because I see a color I like better. My son built my computer in the livingroom and gave me his used laptop as his school got him a new one. I just don't feel the need to have new stuff anymore. I prefer to go on drives to see new scenery, hiking to see waterfalls, gardening. As another poster said, I am a jeans and tee shirt person so I'm lucky there. People have tried to get me to dress up but I just don't like to.

When you get in the mood to shop, ask yourself; do I need groceries, do I need new clothes because one ripped, holes (whatever), do I need a new pair of shoes because I honestly don't have any to wear, is there holes in all of the towels that I have to go get some new ones, etc. 99% of the time, the answer will be no. As others have said, it's become an addiction when bored to go shopping. It's very difficult to all of a sudden say you won't do it anymore and find something else you are interested in. I was lucky and had someone who got me interested in other activities. The trick is, realize why you are going shopping and try to find something else that will take up your time.
 
my aunt needs to see this, and she's exactly like the poster who cleaned out the closet of "new items". She shops for future events and then reshops for the same thing because she forgot about the original purchase, she always allows herself little "treats", she buys things because it was such a great deal. Drives me nuts walking into a store with her sometimes, especially grocery shopping.

My biggest problem with her is that, i'm the one dealing with the mess. She just says yes or no to keeping it. Then i have to find a home for it.
I lived with a hoarder/clutter person for ages (my mom is a bad one too). And after a dozen moves, i just can't stand to drag it all around. I just put everything of mine besides two suitcases into storage. Its about 5x10x6-7ft high, and now thinking about it, i wish i had gotten rid of more. I'd love to try and sell it, make a little money off of it, but some of it seems too good to just toss. And some of it i feel like i'd wind up replacing down the road.

I'm really starting to look at things as, do i really need this? I'm also the kind that likes everything matching. Towels, underwear, socks, dishes, cups, sheets. So that cuts back on a lot of "ohh that's cute". And it makes me wait to find stuff that goes with what i already have.
I can spend hours window shopping and not spend anything at all. Most the time i'm appalled at what's "in style" these days.

Although i do have to share my excitement in my new pair of jeans. I like Tommy jeans, and as i was browsing the clearance rack, I found 70$ tommy's on the rack. Checked the price scanner, and they came up 28$... Tried them on and loved them. When I went to the register, they scanned at 20$. Spent 4 some odd hours at the mall and that's all I walked out with. My original intent was looking at skirts, which i tried only two on, and the other ones i wouldn't even dare take off the rack because of the price.


You really have to get out of the mindset of needing anything in your house, whether it was such a great deal or not. Because if you don't use that item, it doesn't matter how great of a deal it is, you still wasted money on it.
If you've got a pearing knife, do you really need an apple slicer? If you have a round pizza sheet, do you really need a square cookie sheet? If you have wash cloths for dishes, do you really need sponges? Do I need a purse if my wallet fits into my pocket?
You gotta look at what you have and how many ways you can make the most of it. I use wash cloths for everything, all the white ones are specifically cleaning. So i don't go out and buy sponges or paper towels, because i already have something to serve the purpose. I learned very early on in high school that purses were a waste of time and everything i needed fit into my pockets. (i can't believe the amount of crap people lug around in those things)

Sometimes it's being poor, sometimes it's packing and unpacking something a hundreds times to realize you don't need it. But it does become a new lifestyle and one you have to work on to keep it up till it's a habit.
 
I wish I had some good advice for you but I am a spender myself :lmao: We have a minimal savings but to be honest my mom raised me with the motto "You can't take it with you!" and I don't worry about money. I chose a great career with stability and lots of money to be made and I work for a great health system. I invest money in two things, 403 B at work and Disney trips! We don't have a lot of debt thank god and we drive older cars but at the end of the day we are content with $2000 in the bank and a credit card for emergencies. The rest we spend! And I don't go to bed feeling bad about it. We work hard and have only one child to spoil and I am fortunate that I don't feel that I have to worry about money all the time or count my pennies... Although I do like coming here to see how I can get a good bargain, just because it makes me feel good ;)
 
Oh dear, I had better go get my flame suit... I love to shop. And I love expensive things, too. I carry a $600 handbag, I have designer sunglasses, and I once spent more than my rent on a pair of shoes. :cloud9:

When I got my first job(s), I made a habit of putting aside "me" money. I was in school and paying for everything myself. From each pay check I'd put $10 or $20 away. Added to any gift money such as from birthdays or Christmas and it would add up. Then about once a year or so (depending on the item) I'd buy something utterly indulgent. I still have each of these splurge items, too, and 10 years later I still wear the Tiffany's bracelet I bought when I was 19.

Now that we have more money I don't feel the need to buy everything, the way a lot of my friends do. I still put $10 - $20 aside each check just for me and save it up. It works for me. :goodvibes Could that money be used for something else? Of course. But it brings me joy so why not, what better use is there for money?

One of my pet peeves is people who feel superior because of how they choose to spend their money. It hasn't happened on this thread, but I've seen it multiple times in the past where posters sneer that they "wouldn't buy that!" With "that" being anything they don't want. There's a lot of things I'd never buy: A new car, sports tickets, gardening supplies, a big screen tv, expensive wine... But I also would never condemn anyone else for the things they enjoy. :hippie:
 
Ember, I sure hope no one flames you. It seems like you have your act together as far as what you can afford and how to go about getting it without sacrficing elsewhere.

I want to spend my money on travel , to visit my daughters and to be able to afford to entertain them when they visit me. I try to save in other ways so that I can do that.

I would never spend more than $50 on shoes. But I am sure there are other folks who would never spend $200 on a night at a Universal Resort just to get the extra hour for Harry Potter.

To each their own.
 

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