June 2009 Weddings
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Here's a good one (from MM)

Not a poll, per se, but an interesting topic.

What is something you won't give up to save money?

Re: Here's a good one (from MM)

  • Perhaps this is most interesting because of the answers: people are saying beauty treatments (which, I suppose is to be expected) but one girl says she won't eat canned or frozen vegetables.  Canned I get, the salt, but what's wrong with frozen?  I eat those all the time--super easy and way cheaper.

    Anyway, my answer is probably high-speed internet.  Personally I would like to try to do without cable TV (DH won't hear of it), and I haven't had a mani/pedi since the wedding.  I usually get one haircut a year (though I'm going to start being good).  So that was the only thing I could think of.  I need my speed!

  • Well until I got sick last weekend, I would have said eating out at restaurants.  We do that quite frequently since it's just the 2 of us, but now I'm scared of safe food handling.

    When we were trying to reduce our cable bill, I said the DVR was non-negotiable.

  • Cable and high speed Internet I will never cut. I'd rather live in a shack and eat Ramen than go without. 

     

     

    image image
    Lucy Elizabeth 10.27.12
  • Driving a new car.  I've leased 5 brand new cars in the past 6 years and while I know its a waste of money and I could have easily bought a sensible used car and have paid it off, I know I would hate driving it.  I absolutely hate my daily commute already and if I had to drive a piece of crap car, I would hate it all that much more.  At least now I have leather seats and fun toys. 

    P.S. This makes me seem incredibly shallow but in reality, if we were in a situation where I truly had to cut my expenses say for kids or if I lost my job or something, I would obviously change this in a heartbeat but as of now, to just build up my savings account, its not worth it for me.

  • imagehawkilady:

    Driving a new car.  I've leased 5 brand new cars in the past 6 years and while I know its a waste of money and I could have easily bought a sensible used car and have paid it off, I know I would hate driving it.  I absolutely hate my daily commute already and if I had to drive a piece of crap car, I would hate it all that much more.  At least now I have leather seats and fun toys. 

    P.S. This makes me seem incredibly shallow but in reality, if we were in a situation where I truly had to cut my expenses say for kids or if I lost my job or something, I would obviously change this in a heartbeat but as of now, to just build up my savings account, its not worth it for me.

    The heart wants what it wants.  I don't judge.

  • imagehawkilady:

    Driving a new car.  I've leased 5 brand new cars in the past 6 years and while I know its a waste of money and I could have easily bought a sensible used car and have paid it off, I know I would hate driving it.  I absolutely hate my daily commute already and if I had to drive a piece of crap car, I would hate it all that much more.  At least now I have leather seats and fun toys. 

    P.S. This makes me seem incredibly shallow but in reality, if we were in a situation where I truly had to cut my expenses say for kids or if I lost my job or something, I would obviously change this in a heartbeat but as of now, to just build up my savings account, its not worth it for me.

    It'd be awesome to drive a new car every year.  As long as you know it's a luxury and not a necessity, I don't think there's a problem.  Although, don't post this on MM because you'd get reamed.

  • I commit so many MM offenses their eyes would fall out of their heads. 
    image image
    Lucy Elizabeth 10.27.12
  • I would say my gym membership, but I have actually given that up. But now I've found a cheaper option, so I couldn't imagine giving the cheaper one up.  I'm also about to give up my monthly facials/waxing.  Crying

    So what wouldn't I give up? I suppose like PPs, it would be my high speed internet. I've done without cable before and could probably do it again, but don't want to.  I've never been able to go without internet. (Besides, you can watch tv on the internet). Also not willing to give up our fur baby (as if that was even an option!).

    We have so much time, and so little to do! Strike that, reverse it.
    My Bio (wedding pics added 7/6)
    My 101
    Lilypie First Birthday tickers
  • imagemamie329:
    I commit so many MM offenses their eyes would fall out of their heads. 

    Now that's juicy!

  • Man, we are a frugal bunch!

    I know, all the other (MM) posters were saying organic vegetables and eyebrow threading.  I don't get either of those on anything that can be called a regular basis.

  • steph, 

    Two of my biggest MM offenses: I lease my car, and I don't actively save money for retirement/401K, etc.  

    image image
    Lucy Elizabeth 10.27.12
  • imagemamie329:

    steph, 

    Two of my biggest MM offenses: I lease my car, and I don't actively save money for retirement/401K, etc.  

    That's not too terrible.  Can you set up a 401K with work?

  • Hi Speed internet. i think id be willing to TRY going without cable.

    [IMG]http://img.photobucket.com/albums/v605/megs1383/4443972791_4c93e2a3c2_m.jpg[/IMG]

    <a href="http://pregnancy.baby-gaga.com/"><img src="http://tickers.baby-gaga.com/p/dev316pr___.png" alt="pregnancy week by week" border="0" /></a>
    Baby #1 EDD 11/13/13
  • Going out to eat once a week.  We have always done this and it is our date night tradition.  It is just our special time together.  Not that it has to be fancy by any means (when DH was out of work a year and a half ago it was sometimes fast food) but it is our time together. 

    We already cut our cable to basic only (NBC, ABC, CBS, and a few in between) six months ago. It's not that bad since most shows are online now and I'm also a sports fan so we time some of our date nights around games we want to see.  I think we will add it back once we move though because they are offering it to us for a good deal if we lock in for a year.  We just didn't want to make the commitment knowing we would move.

    image
  • imagestephriz:
    imagemamie329:

    steph, 

    Two of my biggest MM offenses: I lease my car, and I don't actively save money for retirement/401K, etc.  

    That's not too terrible.  Can you set up a 401K with work?

    steph, my boss started one for me last year, but I have never looked into how *I* can contribute. My parents drilled "no consumer credit" into my head, but never gave me advice on the saving part. :-/   

    image image
    Lucy Elizabeth 10.27.12
  • It's scary because even after you get it into the account, you have to make the decisions on where to invest it. 

    But since you already have one set up, it shouldn't be too hard to get your payroll person to make automatic contributions to it from your paycheck.  The good news is that saving is addicting and once you start, it's fun to make it grow.

  • Yeah, it's confusing for me who knows nothing about what kind of place to put it!  Unfortunately our business manager knows only slightly more than I do about the whole process, but I'll see what I can do to start directing some money there! 
    image image
    Lucy Elizabeth 10.27.12
  • imagemamie329:
    Yeah, it's confusing for me who knows nothing about what kind of place to put it!  Unfortunately our business manager knows only slightly more than I do about the whole process, but I'll see what I can do to start directing some money there! 

    A good place to start is to look at what your company matches and contribute at least that much.  Most places will match something up to around 5% but only if you contribute that much.  And there are also a lot of pre-determined mixes available based on your age or your level of risk.  I'm actually not too bad with 401k's so if you have ??'s let me know!

    image
  • lucky, (warning: i'm going to sound really stupid here) I don't think my boss matches anything I contribute. He just started it with about $2400. But I don't know. Maybe I should open those statements I get every month. Financial fail. 
    image image
    Lucy Elizabeth 10.27.12
  • imagestephriz:
    imagehawkilady:

    Driving a new car.  I've leased 5 brand new cars in the past 6 years and while I know its a waste of money and I could have easily bought a sensible used car and have paid it off, I know I would hate driving it.  I absolutely hate my daily commute already and if I had to drive a piece of crap car, I would hate it all that much more.  At least now I have leather seats and fun toys. 

    P.S. This makes me seem incredibly shallow but in reality, if we were in a situation where I truly had to cut my expenses say for kids or if I lost my job or something, I would obviously change this in a heartbeat but as of now, to just build up my savings account, its not worth it for me.

    It'd be awesome to drive a new car every year.  As long as you know it's a luxury and not a necessity, I don't think there's a problem.  Although, don't post this on MM because you'd get reamed.

    Yeah not going to happen... I realize its not a smart financial decision but if I can do it, I'm going to right now. 

    As for other things I couldnt give up... I dont think I could give up cable/dvr/hd (in the end I think we would spend more going out to watch games and paying bar/restaurant bills) and internet.  I also dont know if I could give up my iphone if work stopped paying for it.

  • I'd have to say my dog. She costs us quite a bit with her prescription food diet and monthly medications. I was going to say cable, but then I realized that most of the stuff I watch is on basic channels anyway so I could probably give it up in a pinch. It's looking like we're going to have to find ways to cut back soon, given that daycare is SO FREAKIN' EXPENSIVE!
    [IMG]http://i48.tinypic.com/2nqdy12.jpg[/IMG]
  • imagemamie329:
    lucky, (warning: i'm going to sound really stupid here) I don't think my boss matches anything I contribute. He just started it with about $2400. But I don't know. Maybe I should open those statements I get every month. Financial fail. 

    That could be possible, especially in smaller companies.  It probably won't say on your financial statement so you will have to ask about this one.  In order for them to match, you have to make the initial contribution for them to match it. 

    If he contributed a flat amount though, I am thinking it may be a type of IRA or Pension too.  401k can be started with a one time deposit and maintained but it's not as common for employers to contribute without a match.  Your statement will be able to tell you what type of account it is and what the current balance is. 

    image
  • Def. cable & internet. Could never ever ever ever go without. I brought my laptop on our honeymoon since our suite had WiFi.

    However, internet is sort of a necessity since I teach hybrid courses and am supposed to have access 24-hours/day for my job.

    So, "luxury" would be cable. I'd go nuts without it.

    Photobucket
  • imageluckycooky:

    imagemamie329:
    lucky, (warning: i'm going to sound really stupid here) I don't think my boss matches anything I contribute. He just started it with about $2400. But I don't know. Maybe I should open those statements I get every month. Financial fail. 

    That could be possible, especially in smaller companies.  It probably won't say on your financial statement so you will have to ask about this one.  In order for them to match, you have to make the initial contribution for them to match it. 

    If he contributed a flat amount though, I am thinking it may be a type of IRA or Pension too.  401k can be started with a one time deposit and maintained but it's not as common for employers to contribute without a match.  Your statement will be able to tell you what type of account it is and what the current balance is. 

    Eep. I'll open one up and try to interpret something out of it!  Thanks for the help! 

    image image
    Lucy Elizabeth 10.27.12
  • Internet. 

    Now I need to convince myself that my daily target/costco trips are not necessary.

  • I'm a MM regular, but I didn't see this over there, and I must admit that I don't get the question.

     EVERYTHING I spend money on are things I won't give up to save the money, otherwise I'd have given them up already! Right?

    So I guess my answer is mani/pedis, eyebrow threading, going out to eat, buying good produce/meat, drinking LOTS of booze, high speed internet, cable AND dvr, lots of traveling, girls' weekends, buying nice gifts for our friends, hosting dinner parties, buying new bathing suits when I don't need them, dry cleaning more things than I need to....

    Those are all things that I don't want to give up just to save money, but like hawki said I definitely COULD if I needed to, but I don't so I won't..... 

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