Tag Archives: paying down debt

Rules for My Yearlong Shopping Ban

Clara_Peeters_-_Still_Life_with_Cheeses,_Almonds_and_Pretzels

Based on Cait Flanders’ shopping ban, I’ve decided that I’m going to commit to a yearlong shopping ban in 2018. The reason I want to do this is because I have some pretty big goals in 2018.

2018: The Year of Simpler Living

  1. Pay down my debt
  2. Complete a yearlong shopping ban.
  3. Improve my income by 25%.
  4. Track my income and expenses for the year.
  5. Experience all the fun and FREE things one can do in Hamilton.

I’m going to base most of my shopping ban rules on Cait’s rules because they’re pretty simple and – I’m hoping – easy to follow.

What I’m allowed to shop for:

  1. Basic groceries (cutting down on the fancy cheeses!)
  2. Personal hygeine products (shampoo, conditioner, tampons, etc.)
  3. Any minimal makeup I regularly use (only after the previous makeup has been used up)
  4. Cleaning products
  5. Supplies for gifts (I love to knit and crochet, so guess what you’re all getting for your birthdays and Christmas in 2018?)
  6. Clothing that needs replacing.
  7. Business expenses (but nothing that isn’t absolutely necessary.)

What I’m not allowed to shop for:

  1. Concert tickets (This one’s going to be hard, but there are a ton of free shows in Hamilton. We’re a music city!)
  2. No fancy cheeses!
  3. Extraneous makeup, personal products, clothing, or shoes (nail polishes, lipsticks, lotions, etc. I got plenty of clothes AND lotions!)
  4. Books, magazines, notebooks, cards (This year I’m going to shop my bookshelf, then donate the books. I also have enough notebooks to last me the year and then some. I can also make my own cards because I have cardstock that can easily be turned into cards.)
  5. Household decor (My new place is already filled to the brim with stuff that I need to find new homes for anyway.)
  6. Electronics and appliances (again – no room for them! And I’ve found that I’m actually getting by just fine without them anyway.)

I’m also going to do my best to use services like Bunz Trading Zone Hamilton and Buds Tradiing Zone Hamilton on Facebook to trade for things. That way I can find new homes for my possessions, creating more space, and I will be able to save some money as well.

Featured Image: Clara Peeters РStill Life with Cheeses, Almonds and Pretzels, 1685 (Wikipedia)

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2018 Goals: The Year of Simpler Living

Recently while having a coffee at the Mulberry Coffeehouse with my sister, Holdlifestill Photography, I was worrying over the fact that I won’t be able to afford my life.

Can anyone relate?

I’ve just moved out on my own again after living with my mother for the last two years (yay!). While I love my little bachelorette, I’m concerned that running my own business, with its ups and downs, can lead to some stressful times trying to pay all my bills.

Holdlifestill suggested that I look up Cait Flander’s yearlong shopping ban for inspiration. Holy moly, the woman’s a powerhouse saver!

I’ve already had this tingly feeling (don’t worry – it’s not contagious!) that 2018’s going to be a good year. Yeah, we can talk about how the whole world is a garbage fire, but I can’t really look at that, you know? You can’t save the world if you can’t save yourself first. I’ve been told that by several people and I honestly, truly, and overwhelmingly believe it.

And besides that, I’ve had some success in helping myself this year. After two years of living at home with my mom recovering from a major episode of depression and the implosion of a pretty bad relationship, things are already starting to look up for me. This past summer I purchased a car, affectionately named Joni. I still have monthly payments on her, but I’m working towards paying that off each month. And this new home is a cherry on top.

But nothing that’s worth doing comes easy, right?

These are all great things, but they are not without their stresses. I have to be really careful with my money so that I can pay down my debts and live a good life in my new home.

My goals for 2018: The Year of Simpler Living

  1. Pay down my debt
  2. Complete a yearlong shopping ban.
  3. Improve my income by 25%.
  4. Track my income and expenses for the year.
  5. Experience all the fun and FREE things one can do in Hamilton.

Recently Hamilton Small Fries added me to their list of Hamilton blogs, under “lifestyle blogger”. I’m so pleased to be a part of this group of fearless writers based in our Ambitious City, but it got me thinking – what kind of a lifestyle blogger do I want to be? Mostly I’ve been writing through my mental health issues, but I also want to write about fun things. A yearlong shopping ban is also going to mean curbing some of my favourite things – mainly eating out and going to concerts. Bummer. BUT that doesn’t mean that I can’t have fun. In fact, given that I’m on a constrained budget, I should be doing as much as I can to have fun while experiencing all of the amazing free events that exist in Hamilton, so on top of all those big and important goals for 2018, I want to include having some fun as well AND showcasing that through the blog.

How about you? Have you set any goals for 2018 yet?

Photo Credit: CDC photo