To those who personally know me, it comes as no shock that my husband is much more frugal than I am. You see, Heath is very wise. He takes time to think about what it would like to purchase. He has never been and I am confident he will never be a spur of the moment kind of shopper. We have been married almost 7 years now and there are days when I still find it difficult o be frugal. However, there is nothing that makes my day more than to call my husband and tell him I just saved over 50% off our grocery bill!
Mommy Zabs is hosting a writing project about three things that make you a better….you fill in the blank. I thought long and hard about that blank. I would try to fill it in but that blank was….well, blank. I realize I am a mom, wife, friend and believer but I was trying to think outside that box a little. Then it hit me, I am also frugal. I have had the opportunity on several occasions to help some of my girlfriends out with a little financial advice. Which to this day makes me laugh. I mean come on! If you knew me before Heath you would never have asked for my advice. I couldn’t save a penny!
However, there are a few things that help me (and my hubby) to be frugal. The first would have to be an envelope system. We really like the one from Dave Ramsey but you could even use plain envelopes. You basically fund your envelope with money for the month for things like groceries, gifts, clothes, etc. When the money is gone you can’t buy any more. It was quite intimidating at first but now we have the hang of
We also do not have credit cards of any kind. I know that might seem strange to some of you but we don’t ever need them. We have debit cards for emergencies but we fund out envelopes with cash needed. We even put away money for our cars. When things like new tags or oil changes come up we already have money set aside. And since we are always putting money aside for our cars and not always needing tags and such, we have a little surplus available for things like new fuel pumps and brake pads!
Finally, and probably the most important thing we have is accountability. It is a little scary I must admit since I like to spend more than save. But Heath is great and saving and keeping things on track in our house. We work together on our budgets. We trust each other with certain things. I handle the grocery money and clothing money because I am most likely to buy those things. He trusts me on that. I trust him on putting aside tax and insurance money.
You see, I may not be the most frugal person. I am sure I give in to lots of whims. But at the end of the day (or sometimes the end of the month) it is my envelope system, not having credit cards and accountability with Heath that help me be more frugal.