Ah the bill, the one thing people dread getting in the mail especially, if you’re stuck in overdue nightmare. Many people will say they hate paying bills and so many have nothing left, it sucks the rest of any fun there might have been out.
Until November 2014, I wasn’t having to pay any bills except my cell phone. It felt good to have money to do whatever I wanted with it. I lived with in-laws and rent/utilities were never required. The problem with that was, you never heard the end of it anytime an argument started. Then everything changed, my husband, son and I moved into our first home that we own. We had put all of our money toward buying a house straight cash. No mortgages for us, we knew that’s an expense we couldn’t afford.
When we moved into our new home, we were thrilled with it. Finally a place of our own! A place that we were free to roam, turn the TV as loud as we want, play the radio, hang out, eat on the couch, stay up till whenever and just enjoying the space without anyone bitching. That freedom came with bills and boy are there plenty. Though we don’t have a mortgage, we do have cell phones, power bill, trash pickup, water, security system, internet, our son’s life insurance and car insurance. We do not subscribe to TV. We have Netflix and YouTube and that’s all we’ll need. We cannot see paying more than $60/month for TV service. It couldn’t be more difficult considering as of this moment, we’re bringing in less than $700 a month total. So here’s what we started out doing
For the first 5 months, we paid our bills as soon as they came in and we realized we had nothing left to get through the rest of the month. Well that obviously doesn’t work but, we also didn’t want to get behind on bills. So what do you do? Well, we just realized that we have to make it through the month and that these companies are not going to shut off your power, water and so on if you’re trying to make the payments. So the next month, we found out who is willing to let us pay half of the bill and that’s what we have been doing every since. It works out great, it gets us through the month or at least most of the way and we still have money for those unexpected expenses and of course all of the expenses associated with kids.
The key is to not let yourself go broke. These companies can wait! The only companies that aren’t that flexible are car insurance and cell phones (particularly prepaid cell phones) If you don’t pay that bill the day it’s due, you won’t have it. Though we barely have anything to get us through the month, I very much enjoy paying bills. I enjoy feeling like the adult I am, knowing that everything is getting paid and no one is helping us do it. It’s great because, you don’t have anyone running behind you, throwing it up in your face constantly about them paying your bills.
Now, I know this might sound strange to all of you but, it’s like this, for far too long I was in a situation where paying any kind of bill other than personal expenses was the norm and though it’s great and everything, it makes you just less of an adult and more co-dependent. The key is also determining what can you live without and what would you rather have instead. For us, we can’t see paying a lot of money for cell phone service. So my husband and I found the cheapest option available. We both have unlimited text, data and calls for $35/month (each). We managed to save up enough (while we were living with relatives) to purchase Samsung Galaxy S3’s and that’s what we have stuck with for the past 2 years. There’s no reason to get the newest and latest phones, it’s an added expense that many people can’t really afford.
When it comes to TV subscription, why are you paying satellite companies so much money every month? Some people are paying up to $200/month. Why? Just to catch a favorite show? Everything and I mean everything will end up on YouTube (sometimes daily) and Netflix covers all of your favorite shows and yes, you’ll have to wait a short time before they’re available but, it’s $7.99 a month. Imagine what you can do with the remainder of the money. Want to watch the latest sports game? Go to any bar or restaurant with a TV and watch it for FREE! Some even stream live from home if you look for the right websites on Google. I mean seriously, save yourself some money! These days people are going broke believing they must have the newest of everything or be the first to watch or do something.
When it comes to clothes, buy second hand. Don’t go wasting a bunch of money buying at over priced stores like the mall. You can get very nice clothing that sometimes still has the tags on it from Goodwill (ewww? NO it’s gently used clothing that can be washed). If you insist on buying from a store, many of the same items you would buy at 3 times the price at Macy’s or some store in the mall, can be found at Walmart, Target and TJ Maxx. Why overspend?
Ladies, your shoes, hair and nail expenses. Seriously? You don’t have to pay high prices. I know you’re going to snub at this but, have you seen the beautiful manicure design kits that you can do yourself? Did you know that they sell them at the dollar stores? Did you know that they are often made by the same companies that you pay twice the price for? Yes, dollar stores especially Dollar Tree, they sell name brand products too like Revlon. The same goes for many other items you might use such as notepads, pens, decorations for parties, all holiday and events cards are 50 cents each and they look just as nice. They also have shampoo’s, conditioners, hair brushes and many other self care need products. They even sell quality medicines like Ibuprofen, Heat/Cold patches for pain, arthritis cream, band aids, razors etc… They sell Betty Crocker cookware, beautiful glass drinking glasses, porcelain plates that are beautifully decorated, all your kitchen stuff such as aluminum foil, plastic bags, trash bags, sponges, toilet plungers, even cleaning products and much much more! Don’t overspend on things you can buy at the dollar stores that are seriously the same quality as the higher priced stores! It’s not all plastic junk like you think it is!
At some point, you have to decide that you’re tired of being broke. That you’re tired of not being able to afford that vacation that you always wanted to go to. That you need emergency money for those unexpected life surprises such as, an expensive car part for that car that just broke down. Thank you for reading my blog and I hope you’ll take my advice on living frugal.
For the past year, I have been feeding the homeless and buying basic neccesities for them. Homelessness is a huge problem and though it’s easy to just walk past someone on the street or follow the stigma that they are on drugs or alcoholic’s, I’ve found by sitting down and talking with them that many of them had it all, then disaster struck and they lost everything. Without an address, a phone number and a way to clean up, no place will hire them. The homeless deserve a second chance, help me to buy their basic neccesities and continue feeding them. I can’t do it alone and even if you chip in a dollar, it’s a dollar that goes towards the basic human right that everyone has. I do not specifically give them money, any and all funds will go straight to buying “Emergency packs”, blankets and food for them. Thank you for any donation!
I will rate Sears Credit Cards as a 0/10. After being a member since 1995, I inquired about having my interest rates lowered, as they are the same super high interest rate as they have been since I was a new member. I explained to them that it’s not fair to be forced to pay super high interest rates after 20 years. I spoke to 2 customer service representatives and 2 managers. They were very snotty with me and told me flat out “We will not change your interest rates, not now nor ever”. So I said “Fine, you’re going out of business soon anyway, I’ll just close down the card as I have no interest in working with someone who’s so rude and unwilling to appreciate a 20 year customer”. They could have cared less and stated “Well, we’re not going out of business and if that’s what you want to do, go ahead”. So, I cancelled. I have a Discover card that I’ve had for about 10 years, they very much appreciate my business and went out of their way to give me all kinds of cool deals including taking away all of my interest and giving me 10% cash back on most everything. I made it a point to tell Sears that they are losing their business to Discover and that, I will be sure to spread the word about their lack of care towards their customers. They didn’t believe me, now they will find out. I hope many of you will reblog this to prove that I’m not playing games with companies who don’t care. I have never missed a payment on my cards and I will not be treated like garbage. So if you’re considering shopping at Sears or getting credit, don’t.
I wanted to write about people who leave home, whether you’re 35 or 16, there is a struggle about leaving home. The difference between a 16 year old leaving home and a 35 year old leaving home is that you feel differently.
There’s a real struggle concerning leaving home because, you wonder whether or not you’re making the right decision and how hard things will be when you do leave home. I know that for most people, they are excited when they’re at a point where they can move out and are looking forward to making their own decisions but, that will change as time goes along and you’ll begin to look back starting from childhood into adulthood wondering how it went so fast. As you start having kids of your own, you’ll almost wish that you could do those things again like going to the fair and getting on the kiddy rides or going on vacations with your parents. Yes, you can do those things with your own kids but, it’s different.
I believe that when you’re really young, you’re so focused on getting out and living by your own decisions and rules, that you don’t think about how it will change your life. If you have lived with your parents much longer than most, you tend to have trouble leaving home because, all of that rush to get out has passed and you’re much more mature. A lot of people have an attachment to their parents regardless of age. However, there are those who had horrible childhoods and never want to see their parents again.
Ok, so you’re out on your own, along with your following your own rules, the bills start coming in. For those who are married or in a relationship where the person lives with you, you’re now stuck trying to figure out not only how to run a household but, you have to also pay bills that will not stop coming in and then when you add children into the mix, it gets even more complicated and before you know it, home isn’t looking so bad. I personally don’t miss home but, I do miss being a kid in one way and in another way, I feel good that I can pay my own bills and I don’t have someone controlling everything I do nor do I have someone holding over my head that they pay the bills.
As our parents age, we begin to worry about them and how to best care for them. That’s when things get really complicated and on top of your already stressful life, you know are in the circle of life and having to take care of your parents when they can no longer do so. It’s a never ending cycle but one thing is for sure, we’ll always miss home in one way or another.
I decided to write about this because there are obviously some people who are still falling for these email scams. There’s a couple of things that people need to know about the scams from Nigeria and cat-fishers in general.
Emails claiming to be from someone in need of help, lottery winnings or receiving inheritances are ALWAYS scams
These scams almost always generate from Nigeria
If you don’t accept the scam they send you by email, you’ll find them trying to pretend to be someone who wants to be in a relationship with you.
No matter what the story, you’ll never receive any money from the scammers.
Scams like these have been going on for many years. I can remember seeing the 1st email back in 2001. Even then, I always deleted it or put it in the spam folder as most people would because, some of us are just smart enough to know that emails like that can’t be true. There are other types of scams where you might meet someone on a dating website, who happens to be from Nigeria but steals pictures from an American girl’s website and uses fake information. They will then have you sending money via Western Union and will give you a phone number to call them on, but they are likely never home. Here’s some questions you may want to ask yourself before sending money.
Why would I be getting an inheritance from someone in Nigeria when, I don’t know anyone who’s ever lived there?
How would someone like this get my email address?
Why would I need to send them money in order to receive a large sum of money?
Why would I help someone who’s in a sticky situation that I don’t know?
Why would I send a woman money who will only talk to me on the internet?
Shouldn’t I research the names they are giving me before sending money?