February 09, 2025
Greetings!
So you clip coupons, use energy efficient light bulbs recycle, and keep your thermostat at a smart temperature, but sometimes being too cheap can cost you money instead of saving it.
Scroll down for some ideas of when and where it pays to open up the checkbook.
Be Well,
Anisa
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Neglecting Basic Maintenance
Neglecting the basic maintenance needed on your home and car will only end up costing you more money down the road. Lack of maintenance inevitably leads to something big breaking and that will cost you a lot more to repair than it would have cost to make small investments in regular maintenance.
Not Having Any Savings
Unexpected expenses happen, and if you don't have any sort of savings cushion to help you deal with those expenses, you'll find yourself relying on your credit cards, high interest loans or some other equally expensive way of paying for a crisis. So save something out of every paycheck. Even if it's only $10 or $20 at first.
Letting Coupons Shop for You
Buying a product at a discounted price with a coupon is better than paying full-price - but if coupon clipping leads you to make purchases you wouldn't normally make, it's money wasted, not money saved. Only use coupons if they apply to your normal and needed purchase items. Otherwise, skip the coupon and skip the purchase altogether.
A Reader Asked Me This - What Do You Think?
I often get questions but this one was different. I truly wonder what you all think? Please read and then reply to this email and let me know what you would say to this person.
Dilemma
I’m frugal but not cheap—I love deals but hate paying for things I don’t want. My friends and family, who earn less than me, don’t share my enthusiasm. I sign up for freebies and sweepstakes because I enjoy finding workarounds in this economy.
The problem? When I score a free appetizer, my friends think it should be shared instead of offsetting my meal cost. I’ve suggested they sign up too, but they won’t. I’ve let it go before to keep the peace.
Last weekend, I had a 50% off entrée coupon and wanted to use it for something pricier I’d been eyeing. My friends suggested applying it to a shared dish, but I refused. They were annoyed, and one later told me I should have "sucked it up" for the group.
We argued—she said friends do nice things, I said I felt taken advantage of. They support me emotionally, but never financially. Am I wrong? Is saving $20–$50 a month worth the hassle?Engagement
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