I don’t know about you, but my kids are disgusting. After dropping them off at Grandma’s for a week, I finally snapped when walking into their bathroom. Because they share their bathroom with all of the guests that enter our home, I knew I needed to make some changes. Not only was the bathroom looking outdated, but our son had ensured that everything smelled like ammonia as well. That’s just what you want for a guest bathroom, right? No. I knew this small bathroom makeover would be a challenge in trying to make it both guest and child-friendly, but something had to be done!
A few months ago I got the chance to meet author Ramit Sethi of a book called I Will Teach You to Be Rich. Now that I have fully dived into his book, I love his unique ways of thinking that completely change traditional budgeting methods around. Why? Because he encourages spending money on yourself! So what can you do to start implementing this mindset shift that actually encourages spending money rather than skrimping, saving and avoiding “wasteful” spending.
So something starting irking me a few months ago. People would talk to me and say things like, “I know you’re super cheap, like me.” And I just had to silently pause and evaluate my life. Is this really how people see me? Does talking about money and downsizing instantly make me seem like a cheapskate? Am I a cheapskate? The thing is, there is a common misconception here, but at the same time, this theory can be right on the money. So let’s break it down, the difference between being a minimalist and being a cheapskate — or why you might be both.
Trying to keep a house decluttered with kids can almost feel impossible. That’s why I broke down the best 3 times a year to declutter with your kids. We follow these times in our home and it has helped to combat the clutter and keep me a little bit more sane. Hopefully it can do the same for you.
So I can’t be the only one noticing that every time I go to Target, they are asking me to put in my phone number for Target Circle. Personally, the staff at Target haven’t been very good at explaining what in the world Target Circle is, how it benefits me an why I should be entering in my phone number. A whopping 1% back doesn’t exactly thrill me, especially when I have a 5% back Target Red Card.
My confusion is your gain. I went ahead and did the research on what the Target Circle is, how it works and if it’s even helping you save money. Spoiler alert: I’m kind of a skeptic.