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If you could squash one of your bad financial habits today — without having to work hard at it — which one would you choose?

Eating out too often
Not keeping up with your budget
Frequently dipping into your savings
Ignoring your bills a little too long
Impulse buying
Something else I struggle with; I’ll tell you about it in the comments below!
Posted by Briana ·

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Comments (29)

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Nicole posted:

I struggle with no being an income earner in the household.  Because we have a child with a medical condition, I don't work outside of the home.  I do lots to save money & run the household.  Tax wise, it isn't worth it for me to do side hustles or work part-time.  I do know that I contribute a lot to the household & family.

Many side hustles don't report income until you make $500 or they pay in cash or trade. Secret shopping, buy and sell on Marketplace, letgo, Poshmark, Thredup. Waitressing for a few hours that pays tips. I have never found a side hustle to disrupt my disability or tax situation except straight out part time jobs such as taking care of elderly or disabled family or babysitting or I worked for American Greetings and Hallmark stocking cards. Its all a few hours a week. You can negotiate pay. Remember that.

 

MsKimberly posted:
Leslie Kay posted:

My impulse buying is so hard for me to control. I often buy for my grandkids. If I have extra money sitting there or I find a great deal I have a hard time just putting the money in my savings. 

I used to have a really good paying career, achieved all my goals then tragedy struck and I lost everything and went on disability unable to work. I lost everything. So for a number of years, I went without now that I make extra money on the side hustles I feel so driven to have things I want or may need. I follow the deep discount sales and clearances. I don't buy high ticket items but it adds up.

My credit card balances are all way too high because for years I could not get a credit card. I've been working on my credit for 6 years waiting for my bankruptcy to drop off my credit. Which takes 150 points right off the top. My next months' goal is to pay down my credit cards and try not to use them. I've lost about 4 credit cards that they closed because I was over my limit too long. All my fault. I don't want to lose anymore.

My 5 year goal is to buy a small home just for myself to feel that security again. But rebounding from bankruptcy is a long painful road and I don't recommend this route for anyone if you can avoid it at all costs!

 @Leslie Kay  What are your favorite side hustles that don't require driving?

There are a lot of mystery shopping companies that you can do tasks online or over the phone! just google mystery shopping.I am signed up for about 200 companies but have scaled back because you need to stay really organized and keep track of everything. Have a separate folder for each task is helpful. Try IPSOS, GFK, summit scheduling, ath power, Reality based, About Face, Alta 360..

Has everyone gone around an unplugged appliances lights that are only used occasionally... Phantom electrical usage could you drop your electric bill even lower clear... I was told years ago buy an Electric Company representative to do this and I did and the next month I had a savings of $35... My husband was skeptical until that bill came in but quickly became excited!

I struggle with no being an income earner in the household.  Because we have a child with a medical condition, I don't work outside of the home.  I do lots to save money & run the household.  Tax wise, it isn't worth it for me to do side hustles or work part-time.  I do know that I contribute a lot to the household & family.

KellyFromKeene posted:

I'd love to be able to go to a store and just get only what I went there for, without it being hard for me to do so. Not that I come out with crazy things, they are things that I need but may not have budgeted for. Delayed gratification can be tough. 

You could do that.  Give someone you trust a $20 bill.  Tell them you get it back if you can spend one month following your grocery list.  You can make a competition out of it.  You are competing with yourself.  The longer you do things like this, you more you will not even have to do it.  It will become a habit.  

I'd love to be able to go to a store and just get only what I went there for, without it being hard for me to do so. Not that I come out with crazy things, they are things that I need but may not have budgeted for. Delayed gratification can be tough. 

Kakigirl05 posted:

My other is gambling. I've been working on it but it's  still enough of a problem. 

A

Shirley posted:

Mine would be lowering our electric bill. One thing we need to do is not run the A/C so much. I guess we have to much stuff plugged in. Our electric company keeps sending us mailers saying we use more electric in our area than 100 neighbors in your area. I wonder if that is true or not. I don't know my neighbors enough to ask. 

 

Shirley, getting my electricity down was a goal of mine.  It was over $100.  I have it down to $47.  I don't used heat or air conditioning.  I am not even using the ceiling fans.  I don't use the microwave.  Rarely, do I watch TV.  Two of my kitchen lights went out, and I have three.  I did not replace the bulbs because I can see with one light.  When it gets really hot, I will either use a fan in the room I am present in or turn on a ceiling fan.  There is a nightlight in my bathroom...so I don't always need to use a wall light.

Leslie Kay posted:

My impulse buying is so hard for me to control. I often buy for my grandkids. If I have extra money sitting there or I find a great deal I have a hard time just putting the money in my savings. 

I used to have a really good paying career, achieved all my goals then tragedy struck and I lost everything and went on disability unable to work. I lost everything. So for a number of years, I went without now that I make extra money on the side hustles I feel so driven to have things I want or may need. I follow the deep discount sales and clearances. I don't buy high ticket items but it adds up.

My credit card balances are all way too high because for years I could not get a credit card. I've been working on my credit for 6 years waiting for my bankruptcy to drop off my credit. Which takes 150 points right off the top. My next months' goal is to pay down my credit cards and try not to use them. I've lost about 4 credit cards that they closed because I was over my limit too long. All my fault. I don't want to lose anymore.

My 5 year goal is to buy a small home just for myself to feel that security again. But rebounding from bankruptcy is a long painful road and I don't recommend this route for anyone if you can avoid it at all costs!

 @Leslie Kay  What are your favorite side hustles that don't require driving?

Stepfairley posted:

I make a grocery list. Go to Walmart and just grab because I see it.

I stay out of Walmart because there are so many cheap deals. I check them out online and comparison shop against Amazon. After the work you are less likely to make the purchase. But in the store is a losing battle.

 

Lynn Rosenfeld posted:

Although I had a good paying career disability just doesn't cover it. And because of the disability I am unable to work. Even from home and I've found your links are pretty much just advertisements once I read the reviews. 

Try secret shopping as a side hustle. Spread it out over many companies and you don't make enough to generate a 1099 at the end of the year to mess up your disability pay. I was making over $1000 a month when I was doing it. They have easy jobs. Just google secret shopping.

My impulse buying is so hard for me to control. I often buy for my grandkids. If I have extra money sitting there or I find a great deal I have a hard time just putting the money in my savings. 

I used to have a really good paying career, achieved all my goals then tragedy struck and I lost everything and went on disability unable to work. I lost everything. So for a number of years, I went without now that I make extra money on the side hustles I feel so driven to have things I want or may need. I follow the deep discount sales and clearances. I don't buy high ticket items but it adds up.

My credit card balances are all way too high because for years I could not get a credit card. I've been working on my credit for 6 years waiting for my bankruptcy to drop off my credit. Which takes 150 points right off the top. My next months' goal is to pay down my credit cards and try not to use them. I've lost about 4 credit cards that they closed because I was over my limit too long. All my fault. I don't want to lose anymore.

My 5 year goal is to buy a small home just for myself to feel that security again. But rebounding from bankruptcy is a long painful road and I don't recommend this route for anyone if you can avoid it at all costs!

 

 

I dip into savings to pay bills like car repair and household needs. I wish I could budget better so I could have a savings that I could live off of for a year.

Although I am not the worst when it comes to impulse buying, a lot of times I go to the store without a clear plan and end up with things I don't need or did not plan to purchase so for me, eliminating that would be awesome!

Although I had a good paying career disability just doesn't cover it. And because of the disability I am unable to work. Even from home and I've found your links are pretty much just advertisements once I read the reviews. 

Mine would be lowering our electric bill. One thing we need to do is not run the A/C so much. I guess we have to much stuff plugged in. Our electric company keeps sending us mailers saying we use more electric in our area than 100 neighbors in your area. I wonder if that is true or not. I don't know my neighbors enough to ask. 

 

My main issue is not keeping strict records of where our monthly income goes too. Like after the bills/mortgage are paid what the remaining funds are spent on.

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