My biggest frugal accomplishment this week was spending money only on groceries. No meals out, no work lunches, no expensive coffees with friends. Except one time, I was not even tempted too much to be honest, I think frugality definitely is growing on me. Instead if spending my paycheck on things I don’t need, what really makes me happy is being able to consistently transfer a chunk of $$ into my retirement account. They are not big amounts but I know that slow and steady wins the race. I feel very lucky I am able to transfer something every single month, I know there are many people out there who do not have the luxury of doing so.
I am trying to stay extra frugal this month since my trip to visit my family is approaching. On top of paying for airfare I always bring some cash with me to help my dad pay his current bills as well as leave some extra money with him to cover the bills for the next few months. The dollar to Polish zloty conversion is $1=3.9 zloty which is awesome. Every single dollar goes a really long way!
I am still struggling to budget and I’m getting to a point where I don’t even bother. I think by now I have really given it a shot and it just does not work for us. I signed up for you need a budget, I put together an Excel spreadsheet, I used several templates that I found online, and it still did not work for me. What I find that works best for us is just tracking our expenses while living frugally (with an occasional treat). I realize we are fortunate to have the freedom to not budget if we don’s want to. Whatever we make is enough to cover the bills and all our needs, save for retirement and help out our parents and siblings if need be. Throughout the years, somehow, the more I gave away, the more I shared, the more I would receive back. Either in a form of a raise, unexpected side project, or most recently a much better paid position. I have been discovering the power of giving and the joys it brings.
I am thankful for realizing how good I have it and for knowing that it means nothing without sharing with others. What are you thankful for today?