First, expenses are compounded from the shear existence of being a family of five. Children have become of driving age, so insuring the licensed drivers is one thing, but having a means for them to commute without mom and dad giving up their car means adding a car.
We became a 3 car family again in 2021. We demoted the '11 Dodge Journey to our son shortly after we added '18 VW Atlas.
We are now a 4 car family, demoting our '13 VW Passat to our daughter when we added '25 VW Taos.
Maintenance costs on the older 2 VWs have come up.
Started donating plasma again. Easy money, but I've notice the plasma center is more crowded than the last timeframe I frequented back in '17-'18.
Aside from cutting our unused gym membership, there isn't really much to cut from our budget without getting in the weeds about nickels and dimes.
I've dabbled with upside. It's like using Ibotta or an offer from a credit card in that you have to CLAIM an offer AND use a specific CC on file or take and submit pictures of a receipt. Having to submit credit cards seems like possible scam, but Sam's Club uses the same concept for its extra cashback for plus members.
Upside is FREE money that I get back for getting gas or food I would have bought anyways... thus WIN-WIN. I actually got a third back when I bought FIVE GUYS. Sure, Five Guys is expen$$$$$ive, but my kid wanted fries for his birthday meal, so I got $8 back when I bought 3 orders of fries.
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