One thing I love about these monthly Top 10 Thrifty Wins posts is that it forces me to find SOME kind of financial positives when looking back at the month. All wins count, no matter how seemingly small they might be. Reflecting on the past month’s finances motivates me to keep going and do even better the next month.
With Rick getting a new job, moving, and living in two different places, we weren’t really sure how to approach our November budget month. There were a lot of unknowns such as the cost of the new apartment rent, Rick’s paycheck and other kinds of moving expenses. Creating a budget was tricky, and some areas were really difficult to stick to.
But all is not lost. I was still able to drum up our Top 10 Thrifty Wins for November:
1. Found a good deal on our new apartment. We had about three weeks to find a new apartment and move Rick to the city where he is now working. Madison is about two hours away, and we didn’t have a lot of time to apartment hunt. We also weren’t sure about the location because where I will find a job is still a mystery. But we found a nice deal on a temporary lease. It was available right away, decently close to Rick’s job, and it’ll give us time to think about where we actually want to live.
2. Saved money on internet. We still need internet in both apartments while Rick is at our new place and I’m at our old place through the end of December. Instead of purchasing or renting a router, Rick took one to the new apartment, and I’m using the ethernet cord or my phone’s hotspot for internet. We’re looking to cancel the old apartment internet altogether and just use the hotspot.
3. Cut moving costs. Instead of spending money on movers and a truck, Rick’s dad let us borrow his HUGE truck to take a load to our new place. We were able to fit everything Rick needed immediately in the truck and move him down in one shot.
4. Saved money on celebration pizza. When we moved Rick to the new place, we ordered pizza from our all-time favorite pizza place. We rarely eat out (and rarely eat pizza), so this was a big deal. And the $2 off coupon made me feel even better about it.
5. Cutting back on Christmas shopping. We’ve been downsizing Christmas gifts each year on both sides of the family. Not only is this a big help financially, but it also cuts down on the stress and greed of the season.
6. Spending more, saving more. Unfortunately, we’ve been spending more on household items, gas and gifts. This is partially due to Christmas/birthday season and partly due to moving. However, I’ve been getting more cash back with ibotta, Receipt Hog, and Ebates!
7. Still no cell phone payment. Rick’s previous job paid for his cell phone and plan. We anticipated needing to buy a new cell phone and start paying for our plan since he transitioned to his new position. Due to the generosity of family members, we still don’t have to pay for either.
8. Free meals. As a farewell present, Rick’s coworkers gave him a basket full of goodies which included gift cards for: Culvers, Starbucks, and Subway. It’s always nice to eat for free!
9. Bought some pants on sale. Since my clothes buying fast, I haven’t returned to my clothes shopping habits. But I did need a new pair of black pants. After checking Goodwill with no luck, I bought some brand new pants at 50% off.
10. Stayed within budget on some areas. Even though we didn’t really know what we were in for when we planned our November budget, overall, we stayed within budget. We blew the budget in some areas, but we cut back in others such as eating out/entertainment and groceries. We didn’t need to spend money on car repairs or cell phones like we thought we would, and the cheap new apartment rent really helped us out.
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