He asked the Subway guy if they would heat it up for him.
YOU GUYS, he asked the Subway guy if they would heat it up for him.
I. AM. NOT. KIDDING. Did I mention this was our SECOND DATE?
Oh Kevin. Kevin, Kevin, Kevin.
I agree that these examples are EXTREME. But Kevin has always valued the principle of saving his money. He’s always shown a great example of sacrifice. After high school, knowing he had one year before he would serve a mission for our church, he sacrificed to get as much school completed and as much money saved as possible. He went to college full-time during the day, then worked the graveyard shift at Kinkos at night. Before he left he for his mission had $10,000 saved up. When he came home from Argentina, he bought a reasonable used car with his money (a sweet ’95 Honda) and continued with school & work.
When I met him a year later, he had $12,000 in his savings account. I had exactly $0 and owed $200 on a student credit card. Let’s just say being married to the most frugal man in America was not an easy transition! First of all, I didn’t understand why the heck he cared about the grocery ads. And why he didn’t understand that it was TOTALLY worth it to buy $18 hairspray from Ulta. Slowly, but surely I realized the man I married had another love. And that love was frugality. I knew I was in for it when I opened his wallet one day and instead of finding cash, I found coupons. TONS of coupons.
Don’t worry, over the years we have found a balance. As a spender, I made sure of that!
But to his credit, Kevin’s frugality has saved us thousands. And over the 11 years we have been married, we have been able to.
- Graduate from college without student loans.
- Save up an Emergency Fund (8 months of expenses should Kevin ever lose his job)
- Save up a “when Kevin’s car dies” fund. Which probably will never even happen, that dang car will live forever!
- Refinance to a 15 year mortgage, (14 more years and we will be completely debt-free)
5. Avoid that “Keeping Up With the Joneses” mentality like the plague. When you reaaallllyyy reallllyy want something be sure to ask yourself, am I wanting this because I want it, or because it makes me look cooler? Sometimes I see the beautiful landscaping of my neighbor’s home and I tell him that we can’t wait to do what he’s done. Our neighbor is so nice, he always says, “We’ve lived here for 30 years, it takes time to make your dream home. Rome wasn’t built in a day.” So, don’t care about what your neighbors have, be happy for them when they get a new awesome car or a boat, but don’t feel like you need to keep up with them. Do your own thing. Make your own goals & decide what is most important to you, not to anyone else.
6. Make it a “monthly savings goal” and STICK. TO. IT. When we were first married, we could only save like $200 a month. It was the best we could do at the time and we stuck to it even though it didn’t seem like it was growing very fast. As we increased our income and continued to live frugally, we found we could put even more into savings. Our first goal was our Emergency Fund and we now put $1000 a month into it. Our 2 favorite money-saving gurus (Dave Ramsey & Suze Orman) recommend 6-8 months of your personal expenses set aside in a savings or money market account for real emergencies, like losing your job. It took us a long time, in fact we just barely made our goal, and now we are saving for some fun things, like my big garden & a family trip to Hawaii.
7. Find the best deal in town. When shopping for either big or small items, be sure to shop the sales! And honestly, some of the best deals aren’t in town, they’re on the internet. Just be sure to look for them instead of running to some random store. Also, REFINANCING your home, especially now, is a great deal! The interest rates have never been lower (2-3%) and the closing costs can be rolled into your mortgage. If you need a good mortgage guy, go to ours HERE. He’s the most honest man we know and he’s always found us great deals.
8. Become a DO-IT-YOURSELF-ER. About a month after we were married, I cut Kevin’s hair for the first time. Well, my first time cutting hair, not his first time getting a haircut. And I totally botched it. In fact, he ended up with a buzz cut. But, that’s besides the point because I got better and better at it and he hardly ever gets a buzz cut anymore;) Being a do-it-yourself-er pays off! Especially when it comes to home improvement projects. A couple years ago, we needed the exterior of our house painted. We found a great guy we trusted and we asked him if he would lower the price if we did all the prep work and taping off the windows. It saved us about $400 and was totally worth it!
9. Find CHEAP or FREE Entertainment. Family fun time & dates with your partner don’t always have to be expensive. And expensive doesn’t equal fun. Be creative. Become aware of all your city has to offer because a lot of it is inexpensive. We get all our movie rentals from our library. Redbox is super cheap, I know, but the library is better and here’s why. A) It’s free. B) You can reserve them online(even before the new releases come out) and they are waiting for you when you get there. C)They carry the newest releases & CLASSICS. D) You can keep them for a week or longer. E) While your there, you’re more likely to rent out books too, which gives you educational, free entertainment for your kids.
10. Be patient. Really, the main thing that Kevin is great at and I am, well, NOT SO MUCH is being patient. You want to buy a house? Be patient. Wait for the right one. Want to buy a car? Just keep looking and be patient. You want to save up for something? Just determine how much you want to save without depriving yourself completely and STICK. TO. IT. It adds up faster than you think;)
p.s. I just want to say we are NOT PERFECT. There are a lot of arguments over here about money, that’s to be sure! He has his opinion, and I have mine. But we’ve agreed our goal is to save and somehow we’ve survived the craziness that is living frugally!