This is one of my all-time favorite quotes from Dave Ramsey. I always remember this quote when I need cash.
See, when you finally make the important decision to stop buying everything on credit you have to be highly creative with your spending habits.
It’s really easy to just walk into a store, buy whatever you want, and then just swipe a card. There’s nothing to it! Until…the bill comes. Then things aren’t all that peachy, are they?
When you have cash, you have to keep a close eye on how much you have and where it’s going. I didn’t do so well with that this week.
SHOW ME THE MONEY!
So, I bought one of Dave Ramsey’s cute wallets to keep in my purse that has the envelope system inside of it. This helps me to keep track of how much is coming and going.
For the last couple of months we have budgeted $200/bi-weekly for groceries. Usually the word groceries mean more than just groceries (dogfood, toiletries, etc.)
Somehow I was able to spend $200 in about 3 days. Don’t ask me how I did it. I cannot even begin to tell you.
All I know is that last Friday we had $200 and on Monday of this week I literally had less than $10 left in the envelope.
So, how can I show you the money when I don’t even have it?
HAVE YOU NOTICED THAT GROCERIES ARE EXPENSIVE?
I am noticing that the more I’m in the stores that groceries seem to be sky-rocketing. Is it just me? Come on…please tell me that I’m not the only one seeing this.
Now I will say that in the endeavor of trying to get my family to become more fit I am buying fresh fruits and vegetables. I have already stated that eating at home is less expensive than eating out but I’m wondering if they’re both not just through the roof!
Anyways, I’ll quit my griping and move on to the next point. I think I just wrote all of that to use the big ‘ole excuse of how quickly I was able to blow through my money.
SO, WE STILL HAVE TWO WEEKS TO GO BEFORE PAYDAY
Yes, you read that correctly! So, what can I do?
You can “sell so much stuff the kids think they’re next”. My mind automatically starts thinking of what I can sale.
Usually I sale items that are just taking up space in our small house and not being played with. This week I sold a few toys and then we realized that we did have a little extra money in our checking so I did have to pull from there just to get us through the next 1 1/2 weeks.
So, be creative when spending. I can’t just go swipe a card that I don’t have. I guess I could try swiping my Kroger card over and over in hopes that maybe one day it will pick up the tab for me, but it’s probably not going to happen.
I have to have actual dollars when I go to the store. If I don’t have that money, then I think of fast ways to get cash.
What would you do (legally) if you were in my position and were in need of some extra cash fast?