These past few months, I have been working hard to save money and keep my spending under check. I have even noticed some changes in my attitude.
Eating Out: Before, I used to love going out to eat. Now, I don’t really have the urge. My wife and I go out once a month or when we are traveling. Now, when I do eat out, I am much more critical of what I eat and the value that I get out of the meal. I used to love going out to the breakfast restauarant chains and eating there. Now, I look at what I am served and I know that I can do better. I went to an Humpty’s and ordered a Mexican Pan Scrambler. What was it? Potatoes that I could have bought frozen at my local Save-on-Foods. Scrambled eggs with salsa and jalapenos. I could have made that meal for a few bucks and it would have tasted just as good. My wife had eggs benedict, and I have to admit that I really liked her meal. I will have to learn how to cook eggs benedict. Overall, then, I do not crave restaurant food as I know I can do better.
Coffee: This past month, I have been brewing my own. Not buying coffee also cut back on the impulse purchases of donuts or other sweets to go with it. Other than meeting with friends, I now stay away from coffee shops.
Junk Food: I have been cutting back. I allow myself one treat once a week (a small bag of chips). Otherwise, I only eat junk food if at a party or some other social event.
Payday Loans: I haven’t had to get one for close to a year. This is saving me a bundle.
Bounced cheques or payments: I have been extremely diligent and haven’t had anything bounce since July. Even then, the only reason they bounced was because I was out of the country and had trusted my mother to deposit a cheque from one bank account to another. She didn’t, so I ended up paying for that mistake. However, I am now extremely vigilant and that is saving me a lot of money.
An old creditor did call me as I still owe them some money, but I am confident that I can pay them off in a few months. Overall, things are getting better. Barring any unforseen incidents (knock on wood), I can finally see the end of the tunnel. In a year’s time, I should be relatively stable, if I continue to be a miser and watch my spending.