Monday, January 21, 2013
10 things not to skimp on, no matter your tax bracket
1 – A Bed. Normally a person sleeps 8 hours a day. That is
1/3 of your day, every day of your life.
That means you spend 1/3 of your life in bed! Your back will thank you. And you
will be a happier person too. How many times have you thought about getting a
new bed and just put it off because you think it’s too much and yours works
well enough. I buy the best I can with the pocket book I have (which mind you, isn’t
top of the line – YET, someday we will get that expensive bed that lasts for
years and sleeps like a cloud!)
2 – A Car. No I am not saying buy the most expensive car
right off the lot. I am saying do your research! Find the car that fits your
needs. (Mine is fitting grocery’s and my family) And then look up safety
ratings, read reviews about how long it lasts and gas mileage and know how much
your insurance will cost you. Then go buy a good used one. Cars lose most of their
value in the first 2 years. So buy a car that has the highest safety ratings,
last the longest, check to make sure it hasn’t been in any accidents and that
it isn’t newer then 2 years. Or at least the safest one you can afford. (Cause
for us right now ….. 10 year old cars are expensive!) But this is the most
dangerous item in your lives; don’t you want the safest thing to drive around
in?
3 – Car parts and repair.
In my family we fix cars, not upgrade every few years to avoid working
on them. So when you change your oil …. Don’t add the cheap stuff! We buy the synthetic
oil, last longer and can handle more stress. It cost more up front but saves
you in the long run. So we had all good stuff on my minivan, and people laughed
at us because they are only used to putting good parts in there “expensive cars”.
(Fluids, filters, brakes (who would ever skimp on breaks?!?!) and replacement parts)
4 – Gas for your car. I found a car gas that has a cleaning
additive in it. I buy there cheap stuff and my car runs MUCH better. But read
what your car’s engine was designed to run on – because it will run best on
what it’s made for! Better running car … saves you money!
5 – Hair Care products. (This one is a favorite of mine). I
had a haircut and they put salon/expensive shampoo and conditioner on my hair
and tried to sell it to me. Of course I said no it was too expensive. But my
hair stayed cleaner longer and nice and light and fluffy. So I went back later
and bought some. It was great! I used about half of what I used in my grocery
store bought stuff. So get a good shampoo and conditioner (shop around for the best
price) and you may find it lasts longer and cost less than what you were paying
for the cheap stuff un the long run!
6 – Underwear. Should be enough said .. but I will explain.
What is the one thing you wear every day, all day (or most of it – I hope!)
Underwear. Now I am not saying you need $20 pairs of undies. What I am saying
is replace it! OFTEN! Having had a private discussion with someone who wears
the same undies for years long past its first whole or rip. I got to thinking …
why? So I regularly replace my undies (TMI?) But I am WORTH fresh, clean, un-ripped,
no whole having undies! So when they start to get dingy and worn out. It’s time
they too through them out.
7 – Socks …. Read above!
8 – Shoes –And my feet, legs and back thanks me for it! I
used to wear payless shoes all the time. But boy did they hurt. I still buy
them when I need a special pair of shoes for an outfit and can’t afford
anything else. But I buy it knowing it’s NOT my everyday all day shoes. But the
shoes I wear all the time cost a bit more. (On sale of course!)
9 – Education – Yours or your children’s or whomever you are
paying for! They are worth. Am I talking Ivy League for everyone? No! Just don’t settle for less. If there is a
better program, do it! Some nursing schools are better than others. Some
schools Do MBA’s. Trade schools for those who want to work on cars. But don’t settle.
Do what you love. You will have a better life doing what you want to do. You
will have a better career going to the best school for what you want to do.
People hire out of the best, you will have a better chance at a job after
school. So give it all you have!
10 - Daycare (possibly the most important of all) - This is people
in charge of your children. There are too many people who don’t care and
shouldn’t be in the business of caring for other people children. (I am not
saying everyone) but do your research and pay for the best you can afford,
scrimp and save if necessary. And in all honestly that is why I am a stay at
home mom. No one can raise my kids like me.
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