Tag: frugaltips

5 FRUGAL Tips for Self-Care

Let’s take a second to think about our daily list of to-dos. For a good percentage of us, there is family, work, household (includes the cooking, cleaning, and upkeep), friends…and in some cases like mine, school. So what is the one thing we have forgotten? Ourselves.

It isn’t uncommon to put everything and everyone over ourselves thinking that when our cup runneth over with helping others, that is all we need. But that couldn’t be farther from the truth. Plus with technology consuming the majority of our lives from the television to our cell phones, it is so easy to lose track of time and end up in a downward spiral of YouTube videos or Amazon shopping. Dare I say that some of us even feel guilty, or are made to think that putting ourselves first is selfish.

There have been many times that I have ‘crashed’ or ‘burned out’ because of the fact that I have given over 100% of myself to everything else in my life. Eventually, my body, my spirit, my mind -they all shut down because you can only run on adrenaline for so long before you putter out -just like a car without a full tank of gasoline. And yet I repeatedly find myself starting the vicious cycle after I recuperate – seemingly never learning my lesson!

However, I am the first to admit that if I am not taking care of myself first, then everything else will topple over like a bad tower of Jenga blocks. So I have started to incorporate some self-care techniques to help myself be a better me – all at no cost which makes it an easier pill to swallow if you will. While these may not be appropriate for everyone, they have been working for me and those around me – I have even received feedback that people have noticed a change in me!

1 – Incorporate sleep. Simple enough, right? Well, do you know how many hours your body needs to feel optimal? I personally need between 8-9 hours of sleep -any less and I am a shell of myself; any more and I actually am sluggish. So I have my phone set with a reminder on when I need to be asleep by, give myself a 30-minute buffer to take care of my nighttime routine, and am in bed. This took a long time to get used to the routine, especially when I am submerged in a great Netflix movie, doing homework, or spending time with friends/family. But I know that without my proper sleep, I am not myself so I force myself to make sleep my number one self-care tactic.

2 – Exercise daily. Sounds insane, right? We are always complaining that there aren’t enough hours in the day but if you think about the fact that there are 1,440 minutes in a day, making 30 for exercise doesn’t seem so bad. Now I am not saying you have to go to the gym every day or become a triathlon athlete, but if we can make it a point to do some form of exercise every day, you are helping promote a better self. Exercise is proven to have long term benefits with reducing heart disease, reducing weight, and so much more. But think about reducing stress – 30 minutes of brisk walking to clear your head after a long day or 30 minutes of low impact yoga before your day starts to start off on the right foot… This will also help your body catch up to your mind and help establish proper sleep at the day’s end – just don’t start to exercise less than 2 hours before bed!

3 – Learn that saying “no” is healthy. So often we are told that “no” is essentially a bad word. We should always say “yes” and welcome the responsibilities. But think about the last time you said “no” to someone or something…did the world stop? Saying “no” sometimes can be self-empowering because you are taking control of your self, your actions, your choices. And this gives you the opportunity to reassess what you are saying “yes” to before making the promise for one…more…thing. Saying “no” could also help prevent burnout because you are not adding yet another event, assignment, or chore to your plate.

4- Schedule “me” time. Just like you schedule a meeting, schedule time dedicated to just you. So you can paint, knit, read, sew, meditate, or whatever you want during that time but it is your dedicated time. Start with just 15 minutes and adjust as necessary. This is the time that is exempt from anything else but you. I have personally made some time at the start of my day, waking up earlier so I can get my time to do whatever I need to – check my emails, respond to text messages, read, exercise, meditate or try to map out the winning lottery numbers (a girl can dream). I then dedicate 15 minutes at the end of the day to recap, plan, and reflect.

5- Use positive language. So what does that mean? Well, let me ask you a simple question – how do you describe yourself when something didn’t go as planned? Do you say: “I am so stupid”? Or how about when you need to describe yourself physically? Do you say: “I am overweight.” or “My hair is messy” or “I feel frumpy”? This is all negative language and it feeds into a cycle of unhealthy behavior. Changing the negative adjective for something more positive can lift you up and alter perception. So “I am so stupid” becomes “I am going to ask for help” or “I can try this again”. You can do this with others too – instead of saying “I’m sorry for being late” try saying “Thank you for waiting for me”; this cuts the negativity and acknowledges positive actions!

Sure there are plenty more steps that we can take to start to take better care of ourselves, but this is not a marathon -it’s a journey. So every step towards better self-care, improved mental health, improved physical health…that is what matters! And sometimes finding a frugal way to make those improvements are even better!

So inquiring minds want to know… What do you do for self-care? Do you have any other techniques to share? How do you make time for yourself?

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HomeChef Update

So back on August 20th, I wrote about a way that I am trying to cut back on excessive spending when it comes to my groceries, reducing waste with unused food, and reallocating time that was previously spent running from store to store. Well, 2 weeks in and going on to week 3, I wanted to share an update! Also, I want to add that this is not sponsored.

When I posted about HomeChef in my New Take on Groceries post, I wasn’t sure what to expect – honestly. I grew up with a mom that worked fulltime but also cooked every week. She taught me to love cooking and that the kitchen is all about organized chaos. She taught me that a little of this and a pinch of that were real measurements for ingredients. She taught me that the kitchen is the heart of the home. And with all of those lessons, I learned about cultural foods, how to basically cook for an army (I am having a really hard time cooking for just 2), and how cooking can bring people together. So when I decided to take a leap into these pre-planned meals, I thought I was shaming my up-bringing. I was not going out and buying my groceries, one cucumber at a time. I was not examining my produce or selecting that portioned ground beef (you know, the one that was priced $6.98 and not $7.02). I was not coming up with my own concoctions. I was not experimenting or playing with food. I honestly felt slightly ashamed.

But I knew I had to do something to help my husband and I cut down on cost, cut down on overindulgence, and reallocate time that has become so precious and so limited (working fulltime, going to school fulltime, and managing some personal side projects really take a toll). So I told myself that this is an experiment so the scientist in me could rationalize the change and took the plunge.

As I mentioned, my first order was curtesy of a promotion code and subsequent orders would cost a bit more but still be less than what we normally would spend on just the groceries themselves. I did a breakdown in my earlier post (you can find it here). So to date, these are the expenses we have incurred for any and all groceries:

HomeChef – $57.50 (week 01) + $89.50 (week 02) + $99.50 (week 03)
Local Farmer’s Market: $30 (week 01) + $32 (week 02) + $0 (week 03)
Local grocery: $30 (week 01) + $20 (week 02) + $28 (week 03)
Costco: $0 (week 01) + $0 (week 02) + $55 (week 03)
Subtotal: $117.50 (week 01) + $141.50 (week 02) + $182.50 (week 03)
GRAND TOTAL: $441.50

Now, I have to admit that some of the local grocery shopping was for our pups who eat home-cooked food which we mix with their kibble, but for the sake of the cost analysis, we will include it. Additionally, there were some expenses that were for work functions, but I cannot find that recent and it was partially reimbursed so we will exclude that. I also excluded non-food items like hand soap, detergents or aluminum foil (Costco for the win though). Also, I had cooked a storm before we started this so we had a LOT of food in the freezer so, for those 2 days when we didn’t have a HomeChef meal, we still had food without having to go out to eat or scramble for last-minute ingredients.

So if we look at what I had predicted for expenses for a month, we will go over $500 in groceries BUT we have had less waste, less time spent shopping (hence my weekend of homework), less gas running from store to store, and less stress during the week. In fact, I opened my fridge this morning and realized it was basically empty – and by empty, I mean full of milk, eggs, and those other staples but not full of food in every Pyrex we own.

Yes, we still have to make some additional improvements but overall, this is still a savings for us. On a given month, we could easily surpass $600 in groceries alone.


Now, let’s talk about the food itself.

I am still feeling guilty about not having my mother’s recipes sprawled about the counter or making up my own concoctions, but I have to say that some of these meals are going to become part of our regular meal rotation when this little experiment is over!

The food is really quite good and I am still able to play with the recipe a little bit – mostly because we cut out a lot of salt (some of these have 50% of your daily intake!). My husband and I also still cook together, most days. And on those days we aren’t cooking together, the recipes are simple enough that one can cook and the other can do homework or personal tasks and he doesn’t yell at me that “a little of that” doesn’t mean anything! Most importantly, we eat together, at the dinner table, and have 1 serving – and we aren’t hungry!

I am currently editing my first unboxing video of the HomeChef delivery, which comes every Tuesday for us and is well packed! So stay tuned as I hope to have that up this weekend.

And just to leave you with an idea on the meals we have had…

So inquiring minds want to know… How important is home cooking in your household? Do you eat out often? If so, how often? How do you manage your budget with groceries?

Frugal Tip – Automatic Savings

Part of adulting is learning to put some money aside in case of that rainy day or emergency or, if you are being really frugal, for those long-term goals like vacations or holiday shopping. However with the state of the economy and the cost of living increasing and paychecks not keeping up, how can we conscientiously put away $$ every week, paycheck, or month?

Introducing AI that helps you save automatically and in increments that your budget allows! I have been using Digit for over a year now and have created several different goals over the course the year which has helped me save over $1.5K with me barely noticing and not having to be actively calculating my bottom line.

Digit is a secure app that links to your bank account to automatically withdraw small increments on a daily basis per your goal(s). The way that it saves you money is by tracking your spending and calculating upcoming bills so it never depletes your account. Plus, you can setup a “low balance protection” clause so when your account dips below your set amount, Digit will automatically transfer money back to get it above that minimum.

For example, I currently have three goals – “Rainy Day” which is simply a pot for emergency funds; “Credit Card” which is a newer feature of Digit that automatically saves money from your checking account and pays your credit card, lowering your monthly balance; and “Gifts” for the Christmas season (this one also has a count down so it’ll automatically stop saving after December 1st).

So yesterday, Digit reviewed my account and my spending habits and automatically saved me $19.94 across my three goals. I also have a maximum amount setup so Digit can never pull more than $10 per goal, regardless of what my checking account says.

There are some days that Digit does not save me anything at all because of what I have upcoming financially. There are others, like yesterday, that it moves over higher amounts. Additionally, you can pause your savings if you ever need to for any reason and set an automatic window so Digit resumes without you having to stress.

Every new Digit subscriber gets about 90 days without a charge and there is a $2.99 charge monthly thereafter, but between its efficiency and ease, I feel that the charge is justifiable.

You also get a savings boost which essentially similar to your savings account interest. This is quarterly and it does start at 1%, so it is not that big, but I have been able to accrue about $7 since October 2018.

If you want to save some money without the stress of having to move money every month or want another way to save, try Digit! And let me know if you find this app helpful OR if you have another way that YOU save!

Disclaimer: This post is NOT sponsored and it my personal opinion of the app. There are links in this post that are affiliate and do provide a small payment to me but do not alter the experience or savings benefit for you.