If you missed my Frugal Friday post last week, please check it out here: The Frugal Fridge
This week’s Frugal Friday tip:
I think there is a quote that says, "If you take care of the little things the big things will take care of themselves". Or, "If you take care of the pennies the dollars will take care of themselves".
So my Frugal Friday tip for today is to take care of the small things. Looking back over this week I can think of many "little" things I could have done to be more frugal.
1. I paid county taxes one day late on our vehicle. Interest - $4.93. What’s so bad about this is the tax office is located right across the street from my office and I was actually in there the day before paying taxes on behalf of my office. AAARRRGHHH!!!
2. I returned library books late. Late fees - .50
3. Bought lunch at work instead of taking it 2 days - $8.00 (I could have at least bought something off the dollar menu, but was burned out on the dollar menu items and home made sandwiches!)
4. Waited until my vehicle was near empty to buy gas, Gas went up .20 per gallon this week in my area. If I had filled up a couple of days ago I could have saved $5.00. (Of course this could have worked in my favor, you never know when its going up or down, but I kind of knew it was going up..... Hubby told me.)
5. I’m sure we could all come up with some things we could have done more frugally!
That is a total of $18.43 that could have been given to my church or used to buy food for my church’s food pantry! This is not a huge amount but you can see how it could have been a much larger amount easily. Paying one credit card payment late will cost you $40.00. Can you tell this has happened to me before? Never again!!!
Its plain to see that disorganization and procrastination are the culprits in the lives of many people who have money problems.
My plan is to get back into the habit of organizing my week. This means writing down on my day book the due dates for things that incur late fees, such as library books and taxes. I also need to plan what I’ll be taking for lunch as well as the menus for the week.
Also the bill box at my house is in total disarray! I need to file stuff immediately!!!! If this had been done I would have seen the tax bill that needed paying!
I already have a strategy in place to keep our regular bills paid on time. I have listed all of the bills, their due dates and amounts on an index card which fits in the front of my check book. I can glance at it each week to see where I stand.
So lets get organized and stop procrastinating! That’s definitely one way to save money without pain!
For more frugal tips please go to www.biblicalwomanhood.com/blog.htm