A Deal is only a Deal if you can Afford it…

A deal is only a deal if you can afford it… Keep on repeating that to yourself as all the Black Friday deals start popping up on your feed and you pass all those ads.

Black Friday can be a day to get some good stuff but it can also be a day where you blow all your money on impulse shopping.

So here are some tips to guide you through the weekend:

  1. Make a list of what you need and stick to the list. Spending $16.97 on Rubbermaid Storage Containers is great if you need storage containers, but if you never use storage containers then it’s just $17 in the garbage even though it’s technically a good deal.
  2. Decide how much you want to spend and don’t spend more! The same advice that always applies is even more applicable for Black Friday. Make a budget and stick to it! There is great pride to be had in not going over your spending limit.
  3. Allot some money for splurging. How much will you spend on impulse shopping and on fun things you see and don’t really need. It’s ok to splurge if you have the cash to back it up.
  4. Don’t count on rebates. Rebates can bring your purchase price down by a lot but don’t buy something unless you can afford to cover the entire amount. Rebates have a nasty habit of being lost, forgotten, rejected or take an endless amount of time to arrive. So if you won’t be able to afford to pay for the whole things- don’t buy it.
  5. DON’T FEEL PRESSURE- with all the advertising and marketing dollars spent over the next few days it’s hard not to get caught up in the pressure of needing to buy stuff. It can get to the point where you feel as if you “missed out” by not getting any “good deals” and being left out of all the action BUT there is nothing to gain by shopping for the sake of shopping. Don’t wake up tomorrow feeling like you spent all your money on things you don’t need and won’t use. Many of these items will probably go on sale again at one point and if you are frugal and stick to your budget then you can pay full price for these items at a later point.

Happy Saving!

Eating Healthy on a Budget- It’s Easier Than you Think

It’s hard to eat health food on a budget. Health food is expensive! But you don’t need to buy expensive foods to eat healthfully.

Here are some tips to help:

  1. Cut down on animal-based proteins. Anyways it is healthier. Dr. Greger has a great book called “How Not to Die” explaining why eating proteins that are not animal-based are so much healthier for you. And other proteins are usually MUCH cheaper. Beans are super, super cheap and quinoa is cheaper than meat, fish or chicken. Try to step away from the need to have meat, fish, or chicken at every supper and look for alternative proteins.
  2. Bulk up the sides. Side dishes are usually cheaper than the main dish. So make your main dish smaller. But instead of going hungry, make more side dishes. Eat one piece of chicken breast and a lot of rice and salad. This will fill you up and keep your budget down.
  3. Snack on fruits and vegetables. Buy what’s in season or on sale and keep it stocked. Dried fruit are expensive but fresh usually are not. Get in the habit of eating apples instead of fancy snack bars. Keep fruit and vegetables near you at work to give you something to eat and thereby resisting the vending machine temptations.
  4. Shop online. Amazon (Jet and Walmart too) sometimes have sales on healthy food that you can buy in bulk or get delivered. Keep a running list of how much things usually cost so that you can make sure you’re getting a good deal. And when a good deal comes along- snag it! Buy two and keep some in your pantry.
  5. Cut out pre-packaged snacks and drinks. This one is a basic one but is worth repeating. Stop buying pre-packaged snacks or food. They are usually high in sugar, salt or chemicals and add up really quickly. The low-calorie or “healthy” snacks are usually expensive and not so healthy! Make your own food, eat fruits and vegetables and cut down on drinks that aren’t water. Water isn’t free but it sure is cheap!

Do you have any more tips on how to eat healthy on a budget?