Why?

Oooh, that's cool (the percentage splitting)!! I get paid bi-monthly so payday is coming up… I will jump right in and let you know how it goes for me.🤞

Okay :) Good luck!

Hello, everyone.

I agree that posting daily has its pros (daily points [supposedly] though small add up; encourage community fellowship and thinking-habits about savings) and cons (a lot of similar topics, sometimes nonsense/repeated post that are off-topic; occasionally/often time consuming if you let it).

But, I think this thread, now that it has taken off might have helped create the community they were hoping for. It is hard to constantly talk about finances with strangers. This thread with introductions and friendly check-ins remind me quite a bit of RPG guilds.

May or may not be here tomorrow, but glad to come across you.

Thanks for your insight and input Kristen!! You're welcome to join us here anytime. I'll be here (nearly) everyday.
Maybe the LifeSavers will have a new activity challenge where the savers give input on new activities and give gift cards or PayPal cash for the idea(s) that are used…?

Now this is a topic I can get behind every day.

Whelp, I hesitated to put this comment online for way longer than necessary. But, if this forum thread is partially created as a place where we do not have to feel obligated to spam other threads with repeated or water-downed comments….

Taking a page from Candice P.'s book and deciding if I have to "talk to myself" for a few days, so be it.

In other news: Why does it seem like whenever you're trying to save more that is when big-ticket items seem to rain down? (A bit of context: my phone provider is switching from CDMA something GSM? [Whatever the two phone radio-wave type thingy's abbreviations are…], my phone is not compatible with the switch, so I had to buy a new phone to keep with the same company.)

Thanks Jonathan!! I'm glad to have your support and you're welcome anytime you want to drop by.

Kristen, yes…I will talk to myself if it will give me a slight chance to win money (smh) but I am fortunate and grateful to have you all check in and talk with me from time to time.

As far as the big ticket items…
Last weekend I had to get all my brakes and rotors replaced, so I definitely understand. I think that's why an emergency fund is truly an important building block in savings…for me anyway. It was a kick in the stomach, but with football pads on, LOL. Could have been much worse.

I hope everyone has had a great week and saved a bit. See ya tomorrow!!

I hope you guys have a wonderful weekend! Stay strong and don't overspend :)

:)

Hello, all. Another day, another post. (Maybe this time it will count.)

Has anyone noticed that sometimes [not all the time, but sometimes] when the Read the Article of the Day feature does not work, when one tries it again several [3+] hours later that the article of the day supposedly changed? This has happened to me twice this week. The first time the "changed" article gave me the 15 points; the second-time: I was first sent to What is Lifestyle Inflation. (Attempted in the morning; no points) Now am being sent to How should I pay off medical debt that’s been sent to a collection agency? (Attempted in late afternoon. Different article, but still no points.)

Anyways, how this pertains to the "Why" topic of this thread. Why are there seemingly different articles of the day on the same day? Is it a glitch I should report or does SaverLife have a set-time-zone for changing articles which is different from my own Day/Night schedule?

Jasmine, I did NOT overspe d this week.

Welcome, Erica!!

Kristen, I've never had an issue with there being a new article in the middle of the day but my points do calculate (late) at the next login for me. I'm not sure of the "why" as far as the article changing but it couldn't hurt to ask… I think you should also get points for the articles that you read and were changed a mid-day, so maybe ask about that too…?

I hope everyone is doing well and saving plenty. Have a great weekend!!

I overspent a little this week, but did my best to keep costs down for the necessary items. (Necessary, though not originally planned–but as Candice P. has pointed out: That's what emergency funds are for).

Hello

Kristen, I'm glad that your emergency fund softened the blow.

Hi Robert, Welcome!!

I was having a discussion with my friends yesterday and we were talking about financial sacrifices, meaning giving up something that you want so that you may have something more/better later… my question is: Have you made any financial sacrifices and what did you gain?

More points! Lol

Hello, Robbert. Welcome to this forum.

@Candice P. I do like that you bring conversation topics. Thank you. At this point, I no longer consider it a "financial sacrifice" and more of a life-style choice, but every time I say no to Cheeze-Its (or other processed chip-type food that provides little-to-no nutritional value) so that I can build savings. "Something better" is the mental/emotional support when I have unexpected expenses that my savings funds can cover it (and I have the habits to replenish my savings).

More relatable (I presume) to the topic from specificity. This week, one of my necessary items was a new phone case. I bought a blue-case though I liked the gray and purple options better because the blue was 2USD lower than the others (thus, not cancelling out the digital coupon.) Turns out, though I still like the purple and gray option better individually, the blue is quite vivid, pretty, and matches well enough with two "pretty trinkets" I have had for over 2 years but couldn't convince myself to use with the other colours since they didn't really match.

Now, I get to see my "pretty trinkets" daily. :)

Right lol

Blake, I'm chanting with you.."More Points!! More Points!!" More points for more money saved!!

Kristen, I'm glad that you were able to make use of purchases that you made a while ago. I'm glad that the trinkets turned out to be a worthwhile purchase for you.

Hi Tanesha!!

I was watching a show on Netflix about downsizing and minimalism… I am so intrigued, impressed, and motivated that I have made a plan to sell, donate, and throw away all the items in my home that I no longer wear or use regularly. I know it has nothing to do with finances but I figure, if my finances are getting straightened then maybe my living and workspace should also.

I think I know which show you are talking about! I watched a few episodes and was inspired to try some things as well. The biggest thing for me was properly folding and putting away my clothes! ( I also purged A LOT of items I didn't wear anymore) It makes it less stressful for me getting ready in the morning when everything has it's place.

I, too, believe I know which show. I preferred reading two books on the subject [one with illustrations]. Still haven't completely done the mindset shift, but I do think it is helpful.

@Candice P You mentioned that decluttering wasn't related to finances, but I (respectfully) disagree. A major part of finances, in my opinion (though, some think it is an unpopular one) is that mindset has more to do with a person's financial state than actual monetary elements (though, those are important, too). If you are changing your mindset around items, you more than likely will change it towards value of things, thus potentially helping your finances. If tidying your living areas and decluttering makes you feel better emotionally, that'll also help mentally. Basically, everything is connected–including finances.

Yay, Sarah and Kristen!! I'm glad to know I'm not alone on binging those series.

Sarah, I also had a hard time with folding but I found it much easier than throwing clothes away. I have memories attached to certain clothes and even though I can no longer wear them, the memory is captured there like a painting or other work of art… but it isn't, lol. At this point it's fool's gold and I have to recognize it as such and gift the clothes to someone who can make new/better memories.

Kristen, I am grateful for your perspective on how all things are connected for the betterment of one's mental, physically, financial, and spiritual peace. Reading that gave me more of a push to try it.

I feel really supported on this page and am getting a lot of good ideas on lifestyle management from all of you. Many thanks!!

I agree Kristen that a mindset shift in my life helped me put value on things that really matter to me and that give me joy. When I was fresh out of college, instead of tackling my debt, I spent money on things that did not add value to my life overall ( and only added to my overall debt!) Somewhere I hit a point where I realized that I couldn't live that way for ever and started making small changes. Small changes added up to bigger changes and now I'm much more stable and consistent in my spending habits.

I never did pick up the books, but I got the gist of them from the internet. I started incorporating the decluttering techniques when we moved from a 2000 sq ft house into a 1000 sq ft Farmhouse. It was quite the process, but it felt really great to let things go that I didn't need anymore/no longer served a purpose in my current life.

Candice, my husband has a collection of old t-shirts from his younger days that I have been meaning to turn into some sort of art. He has a lot of memories tied to them and has never been able to let them go. I think I would like to try to stretch them over a piece of canvas/cardboard and frame them. They are all old logo shirts (bands mostly). I figured it would make nice wall art and would be a nice way to get a 'second' use out of them since they aren't really worn anymore.

Alright Sarah!! Re-purposing is also a great idea! A t-shirt canvas is very clever and creative. I enjoy seeing patchwork designs and other projects of creativity and I'm sure your husband will be impressed with it as well.

I've had conversations with friends about financial freedom and it seems that every one has different opinions on how to get there. My question is: Once you become financially independent what will you do? What happens after the freedom?