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Paying Bills and Living Frugal

Published June 20, 2015 by Amplio Recorrido

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.

So you want a cat?

Published February 15, 2015 by Amplio Recorrido
My nightmare 1 year old cat.

My nightmare 1 year old cat.

My 15 year old cat

My 15 year old cat

Some people are dog lovers and others are cat lovers. No matter what kind of pet you choose, many of them need lots of attention and be prepared for the expenses. I’m not a dog person so, I’ll be focusing on my life with cats.

I’ve had many cats in my lifetime of all different ages, some strays and some rescues. I will tell you one thing, they are all different. I have 2 cats currently, 1 is 15 years old and the other is 1 year old. There are major differences between the 2. My 15 year old cat is blind in both eyes, he doesn’t like to play or be outside. He doesn’t eat much and he drools a lot.

My 1 year is old is a handful. He loves sleeping during the day and going absolutely crazy at night time. He’s constantly demanding food and to go outside. If he doesn’t get to go outside at night time, he runs all over the bedroom knocking things over, playing in the litterbox, sliding random toys across the floor, running into the door, jumping over trashcans and pillows, in and off the bed and well you get the picture. He’s absolutely obnoxious.

A lot of people think that kittens are cute. You won’t feel that way when you’re killing your wallet buying milk and listening to them meow 24/7. Then those kittens turn into rambunctious terror furballs who get into everything and keep you up all night. Don’t count on getting a break until they are senior cats. It will absolutely drive you insane to have to deal with a cat. Cats love getting into trashcans and jumping up on counters. The only way to train a cat to not do that, is to spray them in the face with water, you must be consistent or they won’t learn. Some people might say “That’s abusive”, no it’s not abusive, it’s the only way to keep them from tearing your house apart. You’re not hurting them, you’re training them. To abuse an animal would be anything that would alter their state physically for life or cause their death.

If you think you can handle all of these things, by all means get a cat. Oh and I almost forgot to mention, 1 year old cats love to hide behind anything bigger than them, then when you walk by, prepare to be pounced on. Good luck with your new cats, you’re going to need it.