Then there are things that just make me feel broke - things that make me feel like I will never get ahead, will never have to stop worrying about my money, things that I wouldn't want other people to know that I'm doing.
Things that make me feel smart about money:
- contributing to retirement even when the markets are down or volatile
- paying extra on my student loans or mortgage
- pairing coupons with a sale at the grocery store
- ordering from the kids menu (if there's no age requirement)
- ordering only water when dining out instead of soda or alcohol
- asking for discounts/credits to a bill (such as when my internet goes out for a few days, or if I get spam text messages)
- using the library
- unplugging appliances that are not in use
- cooking from scratch as much as possible
Things that just make me feel broke (or would if I did them):
Note: these are actual frugal tips I've seen in books or on blogs.
- saving the bits of deodorant to melt them together to make a new stick
- washing ziploc baggies to reuse (I wish this didn't make me feel broke, since it's good for the environment! Instead, I just try to avoid using baggies altogether.)
- sprinkling my head with baby powder to go longer between shampoos
- only buying groceries or toiletries for which I have a coupon
- arguing about splitting a bill strictly along the orders (I like paying the bill this way - but not arguing about it)
- haggling on prices in big box stores like Target
- cheaping out on gifts to friends and family
- not traveling to visit family
- giving up my cell phone
I think these decisions vary from person to person, so the lists are above are what's true for me.
What makes YOU feel smart about money, and what makes you feel poor?