I tried to find some guidance in Amercia's Cheapest Family. A great book to help structure your finances and cut back on costs. There's this chapter about clothing in which they explain that living frugal doesn't mean dressing like a hobo. Alright, that got my attention. Saying that clothes are important to me may sound superficial. But wearing something that I like, which feels comfortable and looks good on me makes me feel better about myself.
I grew up in a family of five. My parents and two younger sisters. We had to get by on one income when my sisters were little. It was very common for clothes to be past down from me to my siblings. But also from my older cousins. That always made me happy. Digging in piles of clothes and finding something you really like. Other than that we got by on shopping cheap stores or during sale.
In the present I still do that. I can't afford to buy clothes full price so I only shop seasonal sales or the cheaper stores. And I still am happy when someone passes clothes on to me. Now it is the other way around and my not so little sisters anymore, donate clothes they don't fit or are bored with to me. Same goes for shoes.
So for this month I'm trying somehting different. I added up all my regular monthly expenses like rent, electricity and insurance and made sure there's enough on my bankaccount for direct debit. The amount that was left is now transferred to my savings.
I really want to be conscious about what I want to buy and really need. I'm taking it week by week. So for this week I want to buy nothing at all and see how that goes. Will we get by without doing grocery shopping for a week?
What do you do when there's more month left than money in your bank account?