How Balanced Is Your Budget?

 

I love seeing everything at once in my tiny, organized pantry!

I love seeing everything at once in my tiny, organized pantry!

I’m bracing myself for a barrage of hate mail for posting this, but my recent discovery has brought me such freedom that I simply must shout it from the rooftops!

I’d like to think I’ve proven myself as a reasonably frugal consumer. When I say “frugal”, I mean that I am budget-conscious and put some effort into finding decent bargains while also recognizing that my time is at least as limited as my finances. 

First an admission: I do not coupon (gasp). I found it to be too time consuming and confusing. On top of that, in order for couponing to work, you have to actually remember to give the cashier your coupons…oops!  I used to be a regular shopper at warehouse stores like Sam’s and Costco because of the low per-unit price you could get by buying in bulk. But then I realized that while spending $400 in one week for 3 different items may save me money in the long run, my short-term cash flow was precisely that…short. So I began shopping at a discount grocery store that stocks mostly off-brand products but where the prices (and the quality) are at least as good as the coupon and warehouse deals without the hassle or the huge outlay.

Finally, I had managed to secure a low unit cost without having to purchase a high quantity. I began to see the benefits of fitting normal-sized products into my tiny pantry (pictured above…I just love my pantry). Gone (eventually) were the 2-liter bottles of soy sauce and vats of olive oil. Crackers, pretzels and cereal were no longer going stale before they could be consumed. I was able to reclaim part of my garage for storing other items besides overflow food. And it no longer took the National Guard to help me unload all the groceries each week.

Unfortunately, I kept buying more cans and boxes than I actually consumed each week out of pure habit…”just to have some on hand”. I still had one large shelf reserved in the garage for storing all my extras. In the garage, mind you…where I hate to go. I would send the kids down to get stuff for me, so I lacked a keen sense of what was actually there. I was always buying things we didn’t need and not buying something we did need simply because I assumed we already had more of it down in the garage.

And then something happened to knock some sense into me. I fell down the stairs and dislocated my shoulder…badly. I could no longer carry as many groceries and was forced to shorten my weekly shopping list to only what I knew we would use in the next week or two. 

Eureka! Now I can fit everything into my pantry where I can easily see at a glance just what we need. Everything is fresh and actually consumed rather than wasted. Putting the groceries away is quicker and easier, and I now have even more room in my garage. I feel so FREE!

All of this has made me realize that being a “frugal” consumer means respecting not just your financial and time limitations, but your space limitations too. My father used to always say, “Space is at a premium.” It surely is a precious commodity to be used wisely. Don’t squander your spacial budget just to stretch your financial or time budgets. Find a balance of all three.

How do you balance your financial, time and spacial budgets?

Note: Your Sam’s or Costco membership may still be worthwhile for purchasing household items, office supplies, electronics, etc. at a great price or for when you are feeding a large crowd. I am not suggesting you ditch it!  Just don’t let bulk purchases of regular groceries eat up all your space.

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My (Not So) Secret Hoard

After nine months of procrastination, excuses and cancellations, I finally had my “annual” physical yesterday. I had been dreading this since January, knowing that my likable yet firm and forthright nurse practitioner was going to lecture me about my hoard. Yes that’s right…I’m a hoarder…a hoarder of calories. And just like all the hoarders on my favorite “Buried Alive” TV episodes, my years of hoarding have finally started taking their toll and are doing some real physical damage to the hoarder home…in this case, my body.

It’s not exactly a secret to anyone who sees me that I like to eat and hate to exercise. I’ve struggled with maintaining my weight for most of my life but really began losing the battle after I had kids, not unlike so many people who lose their tenuous grip on organization and time management when the demands of life begin to outgrow the number of hours in a day. In fact, there are so many similarities between getting fit and getting organized:

  1. Both require long-term patience and determination
  2. Both involve a lifestyle change that must be maintained in order to be successful
  3. Both are freeing and empowering and remove obstacles to fulfilling your potential
  4. Both are immensely rewarding and lead to a better quality of life
  5. Both are more likely to be successful when accompanied by the support and encouragement of others

I have a triathlete friend who wishes her house looked like mine. I wish my body looked like hers. Put us together and we’d be one smokin’ hot room mother!  I went over to her house a few months ago to give her some organizing advice. It was the first time I’d seen her house, and she nervously met me at the door, admitting that it was hard for her to let me in (it truly wasn’t that bad). As I was leaving, she asked if she’d be seeing me up at the pool this summer, and I replied, “The way you felt about letting me into your house is the way I feel about putting on a bathing suit in public.” I didn’t make it up to the pool this year…clearly my friend is more courageous than I am!

My nurse practitioner has given me three months to start clearing out my hoard “or else” (meaning that another lecture from her will be the easiest part of my next appointment, I’m sure). So I find myself in the role of encouragee after months of playing the encourager.  I hope it will make me better able to relate to my clients’ struggles and find compassionate ways to encourage them. I’ll keep you posted on my progress.

In the meantime, if you see me stuffing my gob with cupcakes, remind me that “it’s all about making choices”.