Starting Over
Dear Community,

Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.

If you have questions about this, please email help@theknot.com.

Thank you.

Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.

Budgeting....

I would post this on MM, but most are in a completely different place in life than most of us. 

How do you stick to your budget? Specifically cutting eating out, movies, etc. Now with being single, I like to hang out with friends which is usually in the form of shopping, eating out, grabbing drinks, going to a movie, and so on. I don't want to be that person that never goes anywhere other than work and home because then I will never meet anyone, but I really need to get some control on my budget. Also, what do you usually do with your friends without spending much money? I'm in desperate need of some ideas because my finances are really stressing me out Tongue Tied

**nestie formerly known as thegastons**

Re: Budgeting....

  • Maybe you could just explain that money is tight and you'd love to spend time with them without dropping a ton of money. How about hosting some movie nights or dinner in with your friends? Then maybe they could take turns the next time, you know?

  • imageDorisWE:

    Maybe you could just explain that money is tight and you'd love to spend time with them without dropping a ton of money. How about hosting some movie nights or dinner in with your friends? Then maybe they could take turns the next time, you know?

    I definitely like your ideas. And they may work even better now because one of them is getting ready to have her second baby any day now and she is a SAHM. Meeting in instead of out will hopefully allow her to come more often too. 

    I just hate having to say anything about money being tight, especially since I don't really see it getting any better for quite a while (like a year or more) unless by some miracle I get an awesome raise next month. I know its my own stupid pride thing, and I'm sure they'll understand. I just hate that I bust my butt everyday and am still broke. /vent

    **nestie formerly known as thegastons**
  • It is hard! I like to really focus on happy hours instead of dinner and drinks. Also as far as going out, we usually start at home and then head out so we don't spend as much on drinks (in the city so it's walkable and safe). I still go shopping with friends, I just don't actually buy anything. I try to find fun free events in the local paper like free art museum day, or cheap theater stuff. With a little effort you don't really have to sacrifice and can have some experiences outside of your comfort zone.
  • Thanks pdx!  I do need to look at more (free) stuff to do around here because I always hear that there is a lot to do around here.
    **nestie formerly known as thegastons**
  • Some things I've done to add a little more to my budget: figured out a route to work that takes slightly longer but saves me $100 (!!!!) a month in tolls. Downgraded my cable package. Refinanced my car loan for a a lower rate and monthly payment. I bring breakfast, lunch and all my snacks for the workday - that helps not only my wallet but my diet. Maybe you already do these things but thought I'd throw out a few ideas. Oh, and Groupons are a great way to try different things for less money. The key is to make sure you USE them! Some friends and I bought one for a gun shooting class. Wonder if they will allow us to bring pictures of our exes to use as targets....
    Image and video hosting by TinyPic You gotta get spanked by a lot of frogs...
  • imagefarfalla2011:
    imageDorisWE:

    Maybe you could just explain that money is tight and you'd love to spend time with them without dropping a ton of money. How about hosting some movie nights or dinner in with your friends? Then maybe they could take turns the next time, you know?

    I definitely like your ideas. And they may work even better now because one of them is getting ready to have her second baby any day now and she is a SAHM. Meeting in instead of out will hopefully allow her to come more often too. 

    I just hate having to say anything about money being tight, especially since I don't really see it getting any better for quite a while (like a year or more) unless by some miracle I get an awesome raise next month. I know its my own stupid pride thing, and I'm sure they'll understand. I just hate that I bust my butt everyday and am still broke. /vent

    I'd bet that if they are SAHM(s) and having another baby, they might be tight for money also! I also second finding some free activities in your area.  I recently did a free self-defense class with friends and it was a riot!!

  • I have been hanging out a lot on MM and have found them very supportive and helpful. I have been doing an all cash plan for spending money and groceries and am loving it. I just take out my spending money and grocery money for the week at the beginning of the week, and once it's gone, it's gone. And if I know I have something coming up I will need money for (like three dinners our with friends next week...yikes!), I have to save the money for those events. I used to just spend and spend and spend with my debit card and then be shocked when I realized I was out of money. This has helped me be MUCH more mindful of my spending!
    image

    "No longer lend your strength to that which you wish to be free from." -Jewel

  • Ditto PPs to check the newspaper for free stuff.  In my town, the first Friday of every month, the art galleries downtown are open for free, and they serve free wine and cheese.  Every Friday during the summer, there are free outdoor concerts.  Check to see if your library or community center has any cool adult learning programs or classes or workshops, as those are usually a decent price.

    As far as eating out, try to pick the cheaper things on the menu, try to go during happy hour when restaurants have specials, only have one alcoholic drink and then switch to water (or just drink only water), and remember that beer is cheaper than wine is cheaper than mixed drinks is cheaper than specialty cocktails (usually).  Try a matinee instead of evening movie.  Go out for dessert instead of for dinner.  If you usually frequent a particular bar/restaurant, see if they have a loyalty/rewards program and/or keep an eye out for coupons.

    Also ditto PPs on hosting people.  Have a card game night, or a board game night, or a movie night at your place.  It's not too expensive to provide chips and soda (tell people to BYOB).  Someone else can host next time!

  • Thanks ladies! You all have some great ideas!!

    I've considered off and on about going to a cash budget for spending other than bills, I just haven't done it. I actually lurk a lot on MM, but don't usually post much. I already feel like from reading I know most of the things they would tell me and the things I need to do and I'm slowly working on them, but I have the whole complication of dealing with XH since several of our financial things are still co-mingled a year later. 

    **nestie formerly known as thegastons**
  • I would still post on MM if I were you. Those ladies are great at budgeting and there are a number on there who have been through divorce. I know many of them gave me a ton of support and ideas for my budget when ex first moved out.
Sign In or Register to comment.
Choose Another Board
Search Boards