Not only would we know how much we were spending but, where, when, and on what. I can still think of many good reasons to do this; however, the ever increasing stack of receipts on the deck suggests to me that I need to simplify a bit more before this will be practical.
In the meantime, Brent and I continued to have a discussion about why there wasn’t as much money in the account as we figured there should be. He came to the conclusion that we both use our bank cards to often for little things and suggested we go on a “Cash Diet”.
The original idea of the Cash Diet was to help keep things simple when checking our account. This way we can easily monitor our automatic withdrawals such as vehicle insurance and mortgage payments. We have a set amount that we withdraw from bank machines, called a cash drop, which is used as opposed to the bank card.
Although this was originally designed to help monitor the bank account with greater ease, I have found it’s been turning into a bit of a game. I enjoy finding ways to make my cash drop last longer and I continually challenge myself to think of new ways to save my cash. By applying forward thinking skills, I take into account which vehicle I need and for what. This allows me to plan where, and when I’m going to have to get gas, as well as how I can make the most out of the town I’ll be in. This may only save a few pennies, but every penny saved is a penny I still have left of my cash drop.
Another puzzle I’ve been working on is the grocery puzzle.
Having a limited amount of visible dollars has really helped me understand my grocery shopping habits. I’ve found like most people that once I’m in the store I suddenly remember there are so many more things I need. Oh and look at this, this is on sale, better get lots. This can lead to my cash drop disappearing rather quickly! It also made me realize that what I was doing in the store was “shopping” not getting the stuff I need. I now tell myself before I enter the store that “I’m only going in to pick up provisions, I’m not going in to go shopping”. I find that statement is working very well and has helped me see the grocery store through new eyes.
The second part of the grocery puzzle is knowing what I need and why. Why being the most important part of the answer. So many times I have caught myself feeling the need for something only to realize it’s not actually crucial.
The Cash Diet is not only helping me save money but helping me fast and drastic changes. It’s teaching me the power of keeping things simple.
Live life to the fullest,
Hi, I'm Cyndi Bird, hobby homesteader, aspiring writer, amature photographer, art and craft enthousiast and wanna be cook.