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500 years ago, in college, I did a paper on Mr Maslow and his “Hierarchy of Needs” theory. It makes a lot of sense – the fact that you have to complete one level – to move onto the next. At the physiological level, we all NEED food, water, shelter and clothing… those are basic needs.
The food doesn’t have to be from a restaurant, the water doesn’t have to be in a bottle, the clothing doesn’t have to be designer, the shelter doesn’t need a flat screen TV in every room…you get the idea.
Those things are WANTS.
Bloggers have a lot of choices when it comes to affiliates: companies we tie in to that pay us for posting a link or writing a review. Some are for needs, like coupons for buying food or SavingStar for getting money back on grocery purchases. Most are for WANTS like the latest shoes on Amazon or child’s outfit on Zulily.
When trying to change your families financial situation, so you can pay off the past (credit card debt, school loans, hospital bills) or pay down your future (retirement, kids college fund), a spending fast is usually in order. All those “daily deal” sites can add up against you VERY fast, even though you are saving 70-80%, you are still paying that 20-30%. That is money for WANTS, not NEEDS.
Even the Krazy Coupon Lady had a post where the writer realized she was going nutso on them and went cold turkey! (See here post on it HERE).
What is my point with all of this?
My steps to saving that $40,000 in less than a year were simple.
- Track Spending
- Create a Budget
- Eliminate Non Essentials
- Use Coupons to Buy Food/Personal Care Items
- Meal Plan
- Learn to Do It Ourselves (DIY)
- Find FREE/cheap things to do
- Decluter and Sell Stuff
- Create Additional Streams of Income
That being said, I know there are some people that LOVE those sites and look forward to them. I have a new tab up this week that links to a bunch of different sites, but you will rarely see me post/share them as they kind of go against what I teach and believe in.
You can see them HERE.