MISERLY MOM’S – Jonni McCoy

11 – Miserly Guidelines

Guideline 1:  Don’t Confuse Frugality with Depriving Yourself.  – SHe says it is all about meeting your finanical goal, instead of having to do it.   I never feel deprived in our attempts to save money – to me it just means planning.   We plan for the expenses we want to incurr, such as a new washer, dryer, fridge, and digital camera….nope that wouldn’t be deprived, but good planning.  Also by saving on other things we can afford the items we wish to buy in the long run.   Jonni McCoy’s goal was to stay home with her children and quit working, she kept that goal in mind!

Guideline 2 : Remove LIttle Wasters of Your MOney

Don’t squander money.  Those little trival purchases add up.  I have found many things in this area to cut back on.   You will rarely see me going to McDonald’s for a weekly meal.  Which would add up to about $35.00 a month or almost 1/2 of the cost of my digital camera I want.   I can’t really get this concept across to my hubby, but I am working on it.  If I make his lunch each day he will take it fine.  If I don’t he will spend about $5 a day at the gas station for meal, snack and drink.  5×5 – 25/week or 1300/year.  That is alot of digital cameras!   I don’t impose my frugal way on my hubby but do point out the cost.   I have to get better about making him lunch each day to take to work.  (should go make a sandwhich right now for tomorrow!)

Tommy is starting to wake up….argh….I am calling it a night.  I will add more to guideline 2 tomorrow.  I have more ideas!