All or Nothing – From Spending Diet to Spending Fast

“Oops.”

You know it’s bad when you do your finances and the only thing you have to say for yourself is “oops.”

I’ve always known that I’m an all-or-nothing kind of girl, so I should have been able to predict my failure at a spending diet. But, as they say, hindsight is 20-20.

And so, we are reverting back to fully immersing ourselves in a spending fast. I have 1 playdate already scheduled for this weekend that will cost $15. We also have already booked 2 vacations for this year. Other than that, we will not be spending any money on things that are not necessities. This will get easier as the New England weather slowly turns from winter to spring and we can start going to playgrounds and having picnic playdates, instead of having to pay for indoor playgrounds and then being so hungry that we can’t wait until we get home to eat.

As my family dives back into spending fast mode, I find it beneficial to review where we stand financially. I’m a little ashamed to admit that I have not reviewed our finances since mid-January – probably because I knew we weren’t making as much progress as we should have been.

Name of Debt  Total Amount of Debt APR  Monthly minimum payment Date Notes
Credit Card #1  $19,273.23 0.00%  $396.00 3/14/17 Promotional rate ends Sept 25 2017 ($10,304.53) and another expires Jan 25 2018 ($8,495.55), after that APR is 17.74%
Credit Card #2  $5,998.94 0.00%  $66.00 3/14/17 Introductory rate ends Aug 13 2017, after that APR is 15.49%
Credit Card #3  $10,284.54 0.00%  $104.00 3/14/17 Promotional rate ends March 2018, after that APR is 24.99% and is applied retroactively to the original date of the balance transfer if the amount is not paid in full
Life Insurance Loan  $1,302.20 5.00%  $9.00 3/14/17 Annual payment of $102.90
Personal Loan #1  $4,000.00 0.00%  $- 3/14/17
Robin’s Student Loans  $65,579.28 6.80%  $- 3/14/17 In forbearance until Feb 28 2018
Hubby’s Student Loans  $20,085.78 2.63%  $- 3/14/17 Need to start paying $81.58 on April 5 2017
Mortgage  $103,419.25 3.50%  $646.00
Total Consumer Debt  $40,858.91
Total Debt  $229,943.22

Once I did the math, I realized that we have only paid down $651.99 of consumer debt in 2 months. We can do better than that!

According to unbury.us, if I can find a way to keep all of the APRs at 0%, all of our credit card debt will be paid off by March 2020.

So, here is to diving back into the deep end, simplifying our life again, and enjoying another spending fast. This one will last until mid-May when we go on vacation and will resume immediately upon our return.

Spending Fast Losses

Clearly, the losses are that I performed so poorly on my spending diet that I need to re-enter the spending fast!

Spending Fast Wins

  • My annual performance review was yesterday, where I found out that I will be getting a bonus and a raise. This will certainly help us pay off these balances faster
  • I sent another bag of goodies off to ThredUp

This post was inspired by today’s daily prompt: Immerse

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. You can purchase expertly designed résumé templates that will expedite your job search at www.talentcounseling.com. You can also follow Robin on LinkedIn

All that Sparkles isn’t Glitter & Gold – February Spending Diet

Can you recall the last time you reached a turning point in your life? Really take a moment and think about it. What was the last pivotal moment you had?

I can recall 5 of these junctures in the last decade alone. In reverse chronological order, they would be:

  1. Finding my biological family on my father’s side after searching for 14 years.
  2. Buying our first home.
  3. The birth of my son.
  4. Deciding to go back to school and get my bachelor’s degree.
  5. Partaking in too many recreational activities only to wake up days later and discover that my “friends” had just left me in a room when it was clear that I should have been taken to a hospital.

The choices you made in the critical points of your life define who you have become and will continue to shape the future version of yourself. If your life were a work of fiction, these moments would be the climax of the book.

When I realized that my “friends” weren’t really friends at all, I decided to change my lifestyle and earn a living in a more honest way. Years later, this led to the choice to return to college after dropping out at the end of my freshman year. The job that I secured as a result of my major led to my spouse and I feeling (mostly) confident that we were ready to bring a child into the world. The purchase of our first home led me to decide that we need to get our financial affairs in order, which resulted in our first spending fast a few months ago.

Finding my biological family is seemingly unrelated to the earlier pivotal moments, but has already led to a new shift in thinking. Let’s just say that in the process of researching family history, I uncovered and shared some jarring information about my biological father. When I was talking to a friend about it, she asked me if I was sad or angry because I had spent over a decade looking for him and he had been convicted of doing something terrible. It was odd to explain to my friend that I was actually happy. Instead of choosing to paying attention to that particular negative thing, I had decided to focus on the positive things that had come from my search, such as finding a half-sister I didn’t know existed who seems like a pretty cool person. Suddenly, it dawned on me that I could apply this practice to all aspects of my life. I could just decide to be happy by choosing to focus on who I do have, instead of mulling over the things that I do not have.

And so, I have decided to be happy in all aspects of my life. It’s a new mentality for me, one that is more glittery than my former way of thinking, and so far I am really enjoying it.

Spending Diet Wins – February 01 to February 20th, 2017

  • Reduced our electric bill by $114.37 since last month by replacing our 30-year-old thermostats with new, programmable thermostats. Since everything in our house is electric, including our heat, this is a big deal – especially during the winter in New England. We got 2 of the new thermostats as Christmas gifts and paid around $100 for the other 2 thermostats, so they have already paid for themselves.

Spending Diet Losses – February 01 to February 20th, 2017

  • Clothing purchases. I don’t have very much clothing, so the items I do have endure a lot of wear and tear. A lot of my items were starting to look a little tired, so I replaced them. This is a loss because there wasn’t anything really wrong with these clothes – most of them were still in good enough shape to send to ThredUp. The good news is that I tried to purchase from brands that are known for the durability of their clothing. Hopefully, this will reduce the frequency in which my clothes start looking tired and I won’t feel the need to buy new ones for a long time. I purchased one sweatshirt, 2 tank tops, 2 dresses, 1 blouse, 2 pairs of dress pants, 1 pair of jeans, and 2 new pairs of shoes.
  • Makeup. I haven’t worn any makeup besides lipstick and mascara in months because I hadn’t classified it as a need. However, I have a business trip coming up and it is important for me to look more polished than normal on it. I could have gotten by with just purchasing foundation, but instead, I went all out – foundation, concealer, powder, eyeshadow, and eyeliner. I’ll look into the return policy and see if I can return the extraneous things like eyeshadow since they haven’t been opened yet.

This post was inspired by today’s daily prompt: Glitter

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. You can purchase expertly designed résumé templates that will expedite your job search at www.talentcounseling.com . You can also follow Robin on LinkedIn

Overwhelmed? Sometimes that’s a good thing.

“There are more things to alarm us than to harm us, and we suffer more often in apprehension than reality.” –Seneca

Let’s face it, feeling overwhelmed is always terrible in the moment. The good comes when you get through it and realize you were strong enough to overcome obstacles or events you never thought possible. Whether it’s an event or a revelation, you have more power than you know.

If you follow this blog with even a little bit of regularity, you may know that last year my son got lead poisoning, we found ourselves unexpectedly in the housing market as a result, and when we finally found a house we could afford we discovered we needed to renovate it much more extensively than we initially thought. Those events are why we wound up in an overwhelming $50,000 of consumer debt. Many of them were outside of our control, some of them weren’t.

Fast forward to the start of a new year and we have pulled ourselves up by our bootstraps and are working hard to pay off our debt. In less than 6 months we’ve paid off around $8,000! There is a certain level of pride and satisfaction knowing that we are able to solve many of our problems ourselves.

Spending Diet Wins – January 2017

  • Canceled my $19 per month ancestry.com membership because I finally found my biological family on my father’s side after 14 years of searching!
  • The dentist decided to waive our $1,700 bill because my husband and I were the first clients at her new practice.
  • Taught a résumé writing and LinkedIn profile optimization class at Boston Center for Adult Education, which I will earn $400 for.
  • Earned $72 sending items to ThredUp.
  • Pivoted my business model from active income to passive income by creating résumé templates and selling them on my website. Earned $69 this week selling the new résumé templates on www.talentcounseling.com.

Spending Diet Losses – January 2017

  • Purchased an area rug for our living room. It’s a short-term expense of $119 but will save us hundreds of dollars in the long run because it will break the cycle of my son’s monster trucks destroying our hardwood floor when he launches his toy monster trucks off his Hotwheels ramp.
  • Finally broke down and purchased a new pair of flats because my current pair tears my feet up every time I wear them. Will send the old pair to ThredUp, as they are still in very good condition. I made the difficult decision to purchase a rather expensive pair of Rothy’s because they have no seams, which means they shouldn’t destroy the top of my feet like all other flats do. Used the money I made selling résumé templated to pay for part of the purchase.
  • The electric bill came in $160 higher than I expected, so we didn’t have as much extra money as we normally do to put towards credit card debt. We also decided to try and prevent future surprising high bills by converting our 30-year-old thermostats to newer, programmable thermostats. We received 2 for Christmas and purchased 2 more.

This post was inspired by today’s daily prompt: Overwhelming

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. You can purchase expertly designed résumé templates that will expedite your job search at www.talentcounseling.com . You can also follow Robin on LinkedIn

Paying off $20,000 of Debt in 2017

“This planet has – or rather had – a problem, which was this: most of the people living on it were unhappy for pretty much of the time. Many solutions were suggested for this problem, but most of these were largely concerned with the movement of small green pieces of paper, which was odd because on the whole it wasn’t the small green pieces of paper that were unhappy. –Douglas Adams

Cut yourself some slack.

That’s my new year’s resolution. Cut yourself some slack. 2016 sent me into self-defense mode. Due to some unexpected circumstances, I found myself fiercely defending myself, my family, and my finances.

2016 sent me into self-defense mode. Due to some unexpected circumstances, I found myself fiercely defending myself, my family, and my finances.

It’s time to conserve energy and let my guard down just a little bit in 2017. In part, this means not expecting myself or others to be perfect. It also means evolving from a “spending fast” to a “spending diet”. My spending diet really won’t change much, since I failed at my spending fast in one way or another every week in 2016. Instead, it just means I’ll have a small budget for things that happen frequently, like forgetting my lunch. No, I won’t be buying the $10.99 sandwiches from the place next door, but I won’t beat myself up if I spend $2.95 on oatmeal from the vending machine once or twice a week.

Don’t be fooled, though. I still have the goal of paying off $20,000 of debt this year. However, I won’t be taking on new résumé clients, which means we’ll need to be extra careful about where every single penny goes. It’s a lofty goal, but that’s okay – there’s a good chance that we’re capable of achieving it.

Q4 2016 Stats

  •  Consumer debt: $49,164.39
  • Mortgage debt: $104,426.91
  • Student loan debt: $84,082.22
  • Total debt: $237,673.49

Stats going into Q1 2017

  • Consumer debt: $42,438.63 (we’ve paid off almost $7,000 in 3 months!)
  • Mortgage debt: $103,925.28
  • Student loan debt: $84,990.10
  • Total debt: $231,354.01

Goals for 2017

  • $37,000 of consumer debt by end of Q1 2017
  • $32,000 of consumer debt by end of Q2 2017
  • $27,000 of consumer debt by end of Q3 2017
  • $22,000 of consumer debt by end of Q4 2017

Biggest Wins of 2016

  • Took $1,766.48 out of savings and put it towards consumer debt after determining that I was losing more money to the interest rate on credit cards than I was benefiting from the interest rate of my bank account. (Please note, we still have a 3-month emergency fund in place)
  • Switched to a daycare that costs $30 less per week, for an annual savings of $1,560
  • Negotiated working from home 2 days per week (with an hour long commute each way, that’s a lot of time and gas money saved)

This post was inspired by today’s daily prompt: Capable

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin has products that can help you with that. Visit www.talentcounseling.com to learn more. You can also follow Robin on LinkedIn

Buying Begets Buying – Defeating the Consumer Cycle

It’s no secret that buying begets buying.

This is true even if you start out with the best of intentions. You buy a new pair of shoes because you truly need them and suddenly your clothes seem shabby compared to those new shoes, so you buy new clothes, too. This rule of thumb applies to almost every area of your life. You buy a new couch because your old one is falling apart and suddenly you find yourself also buying a new entertainment center and coffee table because the old ones didn’t look quite right with the new couch. (For many people there is also a physical release of hormones when they shop that perpetuates this cycle, but that is a topic for a different post).

How do we make it stop? The first steps are to be aware of the cycle, acknowledge the urge, and then refuse to indulge it. If you just can’t get it out of your mind, look for alternate solutions. Perhaps a fresh coat of paint would make that coffee table look brand new. Maybe shaving the little balls of bunched up fabric off of your sweaters would make your old clothes look as good as your new shoes.

You’ll start to notice less stress in your life once you retreat from the cycle of consumerism. When you buy new things you’re losing much more than money – you’re also losing the space in your home needed to store those items and the time it takes to clean and maintain your new things. If you’re not buying item after item, you’ll get all that time and space back. Who knows what you’ll do with all of that freedom. Perhaps you’ll spend more time with your family, write a blog, or start your own business!

I dedicate most of my extra time to my family, my résumé writing business, and to getting out of debt. In the last 4 months, we have lowered our credit card debt by $6,725.73 and paid $8,439.98 more than the monthly minimum (interest is bitch and ate up $1,714.25 of our debt reduction efforts over the last 4 months).

Spending Fast Wins – Week 17

  • Paid $576.77 extra to the credit card with the highest interest rate.
  • Celebrated Christmas frugally. I gifted a much-needed toaster to my husband and only purchased 1 toy and 1 book for my kiddo.
  • Sent another bag of stuff to ThredUp.

Spending Fast Losses – Week 17

  • Forgot my lunch twice and had to purchase food, instead.

This post was inspired by today’s daily prompt: Retreat

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin can help you with that, too. Visit www.talentcounseling.com to learn more. You can also follow Robin on LinkedIn

What’s in a Minimalist Mom’s Capsule Wardrobe, Anyway?

How are mornings at your house?

At my house, mornings used to be chaos. Then, about a year ago, I got rid of most of my clothes and was left with a capsule wardrobe, which brought a whole new level of calm to my morning routine.

Never again would I have to sift through a bunch of clothes just to decide I had nothing to wear. To top it off, the capsule wardrobe meant I got to postpone my decision fatigue for a few hours.

If you’re wondering what’s in a minimalist mom’s capsule wardrobe, here’s the list:

Tops

  1. The Rowling Top in black from MM.LaFleur
  2. The Sant Ambroeus Jardigan from MM.LaFleur in deep indigo
  3. The Woolf Jardigan from MM.LaFleur in black
  4. Navy polo shirt from Burberry (purchased for less than $15 from ThredUp)
  5. The oh-so-comfy Studio Wrap in iron blue heather from Athleta
  6. Printed sleeveless top from Tristan
  7. Mixed media dark green long sleeve top from Ann Taylor (no longer sold, but similar to this one)
  8. Tab sleeve blouse in dark blue (no longer sold, but similar to this one from Ann Taylor)
  9. Dark green sweater from Ann Taylor LOFT (no longer sold, but similar to this one)
  10. Dark blue cotton one-button blazer from Banana Republic (no longer sold)
  11. Gray motorcycle zip blazer from Ann Taylor (no longer sold)
  12. Sleeveless blouse from Ann Taylor in winter spruce (no longer sold)
  13. Sleeveless gray cotton top from Ann Taylor (no longer sold)
  14. Black and white speckled sweater from Ann Taylor (no longer sold)

Bottoms

  1. Black dress pants similar to these from Banana Republic
  2. The Foster Pant from MM.LaFleur in midnight blue
  3. Statement ankle pants from Banana Republic (unfortunately, they no longer make this design)
  4. Black skinny jeans like these from Banana Republic
  5. Blue denim skinny ankle jeans like these from Banana Republic

Dresses

  1. The Emily Dress from MM.LaFleur in deep forest green
  2. The Nisa Dress in deep indigo blue
  3. A timeless black dress from MM.LaFleur that is no longer sold but has a similar design to this dress
  4. Floral print long-sleeve dress from Tristan

Shoes

  1. Black Alegria dress pumps from Hush Puppies
  2. Nude Juliana pumps from Cole Haan
  3. Ecco Trace Tie snow boots
  4. Matt black ballet flats by Tieks
  5. Burgundy wedges from Cole Haan (no longer sold)

Spending Fast Wins

  • Despite December being more of a ‘spending diet’ than a ‘spending fast’, we still managed to pay $977.69 more than the minimum towards our credit card debt because my awesome spouse picked up a ton of extra hours this month!

Spending Fast Losses

Too many to count, but here’s a good faith effort:

  • We ate out 3 times.
  • Even though it wasn’t a necessity, I decided to finish the kitchen renovations because I had some paid time off I had to take before the end of the year. Luckily, this cost less than $80, but that was still $80 that could have gone towards debt.
  • Purchased an extravagant Christmas present and birthday decorations for my kiddo.
  • Forgot my lunch and had to buy it at least 3 times in the last 2 weeks.

This post was inspired by today’s daily prompt: Calm

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin can help you with that, too. Visit www.talentcounseling.com to learn more. You can also follow Robin on LinkedIn

Seeking the Mystical Land of Debt Freedom – Spending Fast Week 15

In 15 short weeks, we have managed to pay $5,383 towards our consumer debt and $4,106.27 towards our total debt.

Why is the total debt amount less than the consumer debt amount? I wondered the same thing. Then I realized that neither of us are making payments towards our student loans. One sitting in forbearance right now and the other is in deferment for the next few months. Clearly, not paying the interest on these massive loans is foiling our debt reduction plans. We will need to reassess and see if we can start covering the interest on those loans, at a bare minimum.

Spending Fast Wins – Week 15

  • Paid my kiddo’s emergency room bill within 30 days of receiving it, making me eligible for 20% off the bill. This reduced the total bill from $126 to $101.

Spending Fast Losses – Week 15

  • I relapsed hard on my spending fast this week. I’m talking dinners out, drinks, and a minor online shopping binge. The good news is that all of the return labels have been printed and everything that was ordered online is slated to go back on Monday!

So, what’s in the boxes that I just couldn’t resist?

  • And a few other miscellaneous items that are just too shameful to own up to.
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This is what it looks like when you relapse on your spending fast.

 

This post was inspired by today’s daily prompt: Mystical

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin can help you with that, too. Visit www.talentcounseling.com to learn more. You can also follow Robin on LinkedIn

If Cleanliness is Next to Godliness, Could Minimalism be Sacred? -Spending Fast Week 14

If cleanliness is next to godliness, could minimalism be sacred?

Perhaps.

I’m not a religious person, but I was raised as one. I remember hearing people talk about “the path to God”. I suppose that nothing can truly be sacred to me since I’m not religious, but I must say that this path to minimalism has been quite eye-opening. It’s lead to soul searching and resulted in coming to terms with truths about myself I didn’t even know existed.

Sounds a bit like religion to me.

If so, it’s more along the lines of a religion like Buddhism than Scientology or Christianity. According to the all-knowing internet, Buddhists believe that life is full of suffering caused be desire and that the way to end this suffering is through enlightenment.

Sounds a bit like minimalism to me.

On a different, but related note, I have found December to be quite challenging. Have you?

I didn’t purchase anything on Black Friday but have fallen into a vicious cycle of purchasing and returning things since then. The shopping must stop. It is a complete waste of time. And so my public announcement happens right now: I will suffer less if I want less. The cycle of shopping and returning things is an obvious indicator that I have not achieved that yet. The shopping will stop. I will work on getting better at wanting less. Who knows, one day I may actually find that I do want less. Fake it ’til you make it, right?

Spending Fast Wins – Week 14

  • Made over $900 of extra income by booking another résumé client, even though I said I was going to take a break from the résumé writing business for a bit so that I could have some time to relax. This client is on the ball and seems to have realistic expectations, so I think it will work out well.
  • Found a daycare closer to home that we like and that will cost $140 less per month than my kiddo’s current daycare.
  • A loving and generous family member took note of our efforts to pay off our debt and the fact that we had just been through 2 months of one financial emergency after another. They covered the cost of my the tires that my husband needs and included a note that read, in part, “Sometimes you just need a break.”

Spending Fast Losses – Week 14

  • Bought a Christmas decoration that my kiddo asked for.
  • Ate lunch out once.

 

This post was inspired by today’s daily prompt: Sacred

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin can help you with that, too. Visit www.talentcounseling.com to learn more. You can also follow Robin on LinkedIn

In Anticipation of the Urge – Spending Fast Weeks 11 & 12

In anticipation of the urge to join the mindless consumer masses on Black Friday, I went shopping on Wednesday, November 23rd.

That’s right – the woman on the spending fast went shopping.

But here’s the thing…

I didn’t actually spend any money.

Do you remember week 4 of the spending fast, when I bagged up a bunch of clothing and sent it to ThredUp for an estimated $81 return? Well, the return was only $36.60 because they didn’t accept as many items as I expected them to. The initial plan was to put that money towards the credit card with the highest interest rate. Instead, I went shopping on ThredUp. For only a couple of dollars less than my credit, I purchased a “new” purse and blouse for myself and a zip-up hoodie for my kiddo, who is growing like giant kelp. I don’t know why we say “growing like a weed” when giant kelp can grow up to 60cm per day. I already had the itch go start Black Friday shopping, and now instead of going through the mental strain of trying to resist the urge, I have satisfied it. While everyone is online and in stores shopping this weekend, I will be daydreaming about the few items that will arrive soon and will be doing productive things with my life, like hiking the trails in the nearby park with my kiddo.

I already had the itch go start Black Friday shopping, and now instead of going through the mental strain of trying to resist the urge, or giving in to the craving and binge shopping on sale items that don’t need, I have satisfied the urge. While most people are online shopping this weekend, I will be doing things like walking the trails in the nearby park with my kiddo.

So, if a tree falls in the woods and no one is there to hear it, did it really make a noise?

If a woman went shopping, but no money left her bank account, did she really spend any money?

Spending Fast Wins – Weeks 11, 12, and 12.5

  • Negotiated working from home 2 days per week. With an hour-long commute each way, that will save a lot of gas and car maintenance.
  • Negotiated my credit card APR from 18.99% to 13.99%.
  • Played the credit card shuffle and all credit card balances now have a 0% promotional APR for several months (note: not everyone will consider this a win since many advise that you not take part in playing the credit card shuffle.)
  • Returned the clothing I bought in a moment of weakness while sick 3 weeks ago

Spending Fast Losses – Weeks 11, 12, and 12.5

  • Indulged in a drink with a friend, twice.
  • Purchased a stuffed animal for my kiddo, who loved absolutely loved it and had to get rid of all of his stuffed animals when we moved.

This post was inspired by today’s daily prompt: Anticipation

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin can help you with that, too. Visit www.talentcounseling.com to learn more. You can also follow Robin on LinkedIn

A Little Hyperbole Never Hurt Anyone – Spending Fast Week 10

Right now I’m so hungry I could eat a horse.

For the last week, I was so sick I thought I was going to die.

For the last 10 weeks, I’ve been on a spending fast.

Well, clearly I didn’t die – it was just a combination of bronchitis, a sinus infection, and an ear infection at the same time.

I also realized that I have really been on a spending fast. More like a spending diet. I have been replacing things I run out of without giving a lot of thought to whether I really need them. For example, I ran out of exfoliating face wash and was about to purchase more when I realized that would be the second time I would be purchasing it since I started the spending fast. I did a little research and learned that I can use old coffee grounds to exfoliate, instead. $11 saved right there.

Spending Fast Wins

  • Negotiated working from home 2 days per week (with an hour long commute each way, this will save a lot of gasoline!)
  • Reduced cell phone bill by $40 per month.
  • Accepted a role teaching a résumé writing and LinkedIn profile course at Boston Center for Adult Education one Saturday every other month, which should generate around $400 of extra income per class.

Spending Fast Losses

  • I still haven’t returned the clothing items I ordered last week. I need to get my act together and request return labels for them!
  • I’ve been sick since last Friday and still wasn’t 100% when I returned to work this Thursday. It’s very difficult to turn down convenience when you’re sick because you have such little energy. This resulted in me buying lunch instead of bringing it to work on Thursday.

This post was inspired by today’s daily prompt: Hyperbole

headshotRobin Brodrick is a résumé writer, aspiring minimalist, Douglas Adams fan, and corporate recruiter in the cutthroat biotech and pharma industries. If you’re looking for a new job, or know somebody who is, Robin can help you with that, too. Visit www.talentcounseling.com to learn more. You can also follow Robin on Twitter or LinkedIn