Tag: budget

How to Say Yes to Fun Stuff

In the much anticipated sequel to my declining invitations post, this article is taking the notion of extreme saving from a different perspective. Going out to lunch? Getting drinks with friends? Out-of-state wedding invite? All of these events could receive a “yes” response. But it all depends on whether you’re living on a bare-bones budget, or living-large.

Most people would claim that they’re living somewhere in between:  If I’m declining multiple invitations (however big or small); if when I hit the “maybe” button on that Facebook invite it means “not a snowball’s chance in hell,” it’s because I’m clenching my wallet (literally?) between my ass cheeks.

Conversely, if I’ve become a regular “yes man” then I’d eventually have to pull the caravan over to the curb, and button-down the money wagons.  So this article is geared towards finding that happy medium, to properly build up my Fun Stuff budget category; which means being able to say Yes to more invites (at a moderate pace) down the road, or not.

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How To Help Your Wallet By Saying “No” To Fun Stuff?

Part of making, and sticking to, a budget that actually works is having to occasionally decline invitations. Often times our friends, family members, and especially our significant others will make requests upon us, which demand the allocation of our resources.

Have you ever thought, “that sounds like a lot of fun, BUT deep down is it worth the cost?”

Surely this decision crosses our minds multiple times a day.  And most of the time, we’re forced to decide upon one of various potential outcomes using the best of our judgement.  The extent to which we allocate resources to the chosen outcome (i.e., how much money it may cost) often influences our decision, one way or another; however, depending upon the significance of the request, our ability to comply may be limited.

For example, my  brother who lives out of town recently was in-town because he was invited to go to a wedding (and apparently his frequent flyer miles were expiring soon).  His ability to decline the invitation (from an ol’ college friend) was somewhat limited; however, the cost of complying with such an out-of-state wedding invitation was probably sufficient enough to warrant a pass this time around.   Read more

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The relationship that we have with money is an interesting one.  Why is it interesting?  Well, for one there’s indeed an emotional attachment to money.  A universal feeling that the owner has when possessing the almighty green-backs.  This feeling is powerful; but not quite as powerful as the feeling we get when coming into possession of dollars.  That feeling of, “the world is my oyster” to the extent of the buying power that that cash amount has.

When somebody slips me a tip, my brain lights up as I quickly stash it away out of sight.  Try to immediately remove the dollars from my sensory register.  And when those dollars are gone? The brain slowly recovers from it’s heightened state; however, the mind seizes the new numbers, and quickly computes any of numerous calculations of money.   The same goes for other forms of receiving cash: accepting a gift, when paychecks come, finding money on the ground.

Afterwards, some time later, there are several potential places for the money to go: into the gas tank, or take a walk to the restaurant, etc….. hey maybe into the bank! Read more

How to Save %30 on Gas Expenses

Whats’ the biggest expense for rideshare drivers?  Hands down has to be all the gasoline consumption, which is required for large quantity of mileage driven.  During an average week, personally I’ll spend $40-50 on filling up my tank twice or three times.  That works out to be ~$150/week easily!

To combat that never-ending thirst for gas that my vehicle has seemingly developed, always on the lookout for deals at the pump, with credit cards, at grocery stores, etc.  Basically anyplace and anyway that I can cut down fuel costs, I’m doing it. Read more

Weekend Rideshare Driving: Worth It?

My typical work schedule is M – F and either Sat. or Sun.  Because I need at least one day off a week to rest.  I’ve tried working seven days/week before, and it’s no fun.  It is helpful for chipping away at credit card debt though.  But isn’t very enjoyable otherwise.  Occasionally, a weekday is designated as an off-day too.  As there’s a buildup of non-work related tasks that tend to accumulate when I’m working overtime.  

But this past weekend I struck a harmonious balance between work and play.  And for really the first time was able to fit everything that I’d planned on doing in.  Typically when friends or a family member requests to spend time together, it’s a decision between doing that OR rideshare driving (which is an avenue for directly making money).   Read more