Splurges and Penny Pinches

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Sep 6, 2013
4,430
117
63
#1

What are your financial splurges?

Those areas of your budget that you are willing to spend more money on for quality or to indulge yourself?


What are your penny pinches?

The stuff you avoid buying at all cost, consider a total waste of money, or purchase as cheaply as possible despite the quality?


Can be big ticket items like spending bigger on vehicles, or small things like buying generic cola to save money.


money-thumb-250x374-407.jpg
 
Sep 6, 2013
4,430
117
63
#2
Financial splurges: Traveling. I still do it frugally, but I believe making memories via family trips, etc, is money well spent.

Pinches: I'm cheap about beverages. I usually order water in restaurants, because $2.50-$3.00 per drink? -_-
Starbucks. Delicious drinks that I never ever spend money on if I can avoid it.
 

iraasuup

Moderator
Staff member
Apr 5, 2013
185
5
18
#3
Splurges: This one is debateable as to whether or not it's a 'splurge' I see it more as an investment but for me it's food. I try to buy organic where I can and there are certain things I won't eat (refined or processed sugar of any kind, grains or wheat products, soy, nothing processed or pre-packaged in a bright box, nothing with preservatives of any kind and no product with any ingredients I can't pronounce/don't know what it is) and I'm selective about dairy products. No, I don't have allergies I just believe in eating only whole, real food...just my personal choice. To be honest it's really no more 'expensive' if you know where and how to shop...it's more a matter of being prepared and organising your time. It also means you have to actually cook haha! I do have a particular kind of sugar-free everything free organic chocolate I like to indulge in...that is definitely a splurge given the price.

Pinches: I refuse to pay to get my hair done because a) it's so ludicrously overpriced and b) I'm never happy with the end result anyway. I just trim it myself and run a natural colour through it every few months.

I'll also add traveling to my splurges list too. I had my first overseas trip last year and now have the travel bug. Definitely worth it and can be very affordable if you do organised tours as a solo traveller :)
 

just_monicat

Senior Member
Jan 1, 2014
1,284
17
0
#4
justifiable splurges: i purchase a couple CSA (community supported agriculture) farm shares every year which supply me with a good amount of organic produce, a varied list of supplements, and as it's been mentioned before, i'm pretty picky about food. lots of whole foods (much organic), and since i have a major weakness for cheese, i tend to go overboard a bit there.

oh, and a truckload of whey and brown rice protein powder. i get massages and acupuncture about every 2 or 3 weeks which seem to help me avoid issues with an old back injury.

i have been unable to break my sephora/MAC affinity, and for some reason still need to buy 435439579438 lip glosses (and the like) every few months.

my biggest ticket splurges are my horses, but i maintain they are essentially part of my mental healthcare. i do all of my own routine care - hoof trimming, vaccinations and draw my own blood samples for their checkups, and save money on boarding my horses by bartering with the stable - depending on the time of year, i'll do some lessons or teach a class, and occasionally, training.

pinches: i almost never eat out. (aside from sushi and social things), i actually prefer my food to most restaurant food. i haven't eaten fast food in probably... 4 or 5 years? i don't drink soda or most prepared foods/beverages. i actually enjoy making my own food, brewing my own tea/kombucha/kefir. i make my own yogurt from goat diary. i don't buy packaged meals or ready-made food. if i have bread, i make it myself, with my own homemade sourdough starter or the flour that i grind myself. i grow my own herbs. i don't buy candy, junk food, chips, etc. i'm big into skipping a purchase until i can pay cash for it, rather than the expense of financing.

i have basic cable. i seldom go to the movies, save for occasional social things (i'd rather watch it at home anyway, with my own popcorn!). i don't buy or own games of any kind.
 
Last edited:

iraasuup

Moderator
Staff member
Apr 5, 2013
185
5
18
#5
justifiable splurges: i purchase a couple CSA (community supported agriculture) farm shares every year which supply me with a good amount of organic produce, a varied list of supplements, and as it's been mentioned before, i'm pretty picky about food. lots of whole foods (much organic), and since i have a major weakness for cheese, i tend to go overboard a bit there.

oh, and a truckload of whey and brown rice protein powder. i get massages and acupuncture about every 2 or 3 weeks which seem to help me avoid issues with an old back injury.

i have been unable to break my sephora/MAC affinity, and for some reason still need to buy 435439579438 lip glosses (and the like) every few months.

my biggest ticket splurges are my horses, but i maintain they are essentially part of my mental healthcare. i do all of my own routine care - hoof trimming, vaccinations and draw my own blood samples for their checkups, and save money on boarding my horses by bartering with the stable - depending on the time of year, i'll do some lessons or teach a class, and occasionally, training.

pinches: i almost never eat out. (aside from sushi and social things), i actually prefer my food to most restaurant food. i haven't eaten fast food in probably... 4 or 5 years? i don't drink soda or most prepared foods/beverages. i actually enjoy making my own food, brewing my own tea/kombucha/kefir. i make my own yogurt from goat diary. i don't buy packaged meals or ready-made food. if i have bread, i make it myself, with my own homemade sourdough starter or the flour that i grind myself. i grow my own herbs. i don't buy candy, junk food, chips, etc. i'm big into skipping a purchase until i can pay cash for it, rather than the expense of financing.

i have basic cable. i seldom go to the movies, save for occasional social things (i'd rather watch it at home anyway, with my own popcorn!). i don't buy or own games of any kind.
Mmmm Kefir. I have a batch of kefir water on at the moment should be ready tomorrow.
 

Fenner

Senior Member
Jan 26, 2013
7,507
111
0
#6
Splurges for me would be something like home improvement things like Paint, when I paint a wall I want it to look nice and not chip so I'll spend extra on that. I also look for foods without certain products and dye's in them. I am weird about ketchup, Heinz, it's the only kind I really like. Also another weirdo thing for me is laundry soap. I don't buy the cheap stuff anymore because I noticed clothing and my daughter's clothes in particular, even if I pre treated the stains wouldn't come out. Luckily the grocery store I shop at has a great brand under their name and I use that, works well. A little more expensive than some others but it works.


Things I don't splurge on, printer paper, I'll buy whatever is cheapest because I'm not printing anything that important. Some cleaning products, I'll buy the store brand usually work's just as well. I do like Method cleaner though and that can be a bit more, but it smells great. Paper towels and toilet paper, store brand's work fine. Plastic lunch bags, or storage bags, again store brands work well.
 
A

abbiejean

Guest
#7
Interesting question.

Splurges - furniture and household appliances. Want the best quality so it last longer. Example just purchased a top of the line Kitchen Aide mixer. Expensive, but worth every penny. Fabric and threads. Again, if doing a project and I need a certain piece of fabric or type of threads, I will spend more money and get something of better quality. Hand and fabric soap. I have sensitive skin due to my fibromyalgia and medication I'm on due to having my thyroid removed. Cat food and supplies for my kitties along with vet care.

Penny pinches - everyday things I use around the home and or with my computer. I read what some of you do regarding food and to be honest was impressed. Wow. I would shop a farmer's market if we had one locally, we don't. Would use a meat locker if there was one close. There is isn't. I do like fresh fruit and vegies.
 

Fenner

Senior Member
Jan 26, 2013
7,507
111
0
#8
I used to be an Optician and I can tell you one thing I won't penny pinch on is my glasses or contact lenses

When I say glasses I don't mean frames, I mean lenses. Frames are good and you can find a decent one at a good price, but the most important part of glasses is the part you're going to see out of. These are my reccomendations:

If you have a child, Poly Carbonate or High Index lenses, the way to go, yes poly and high index can scratch easier, but they are shatter proof and the safest lenses you can buy. Poly can at times distort vision, usually if this happens most reputable optical places will switch them to another material for free.

Transition lenses for most children and adults are a God send. Children especially, it protects their eyes. Transitions on high index lenses don't always get very dark, but they may have improved that by now. But for a child, unless they are just wearing them for reading, I recommend transitions any time. They don't care how dark it get's. But the glare off of eyeglass lenses hurts their eyes.

Anti Reflective coating, Crizal is the best, get the good quality, otherwise it's going to be a pain to clean them. Plus it lasts longer and effect at night and even in the day is fantastic. If you're on a computer all day, absolutely use AR coating. A must for your eyes. Yes AR for kids, I highly recommend it for kids. No glare they can see better, that's the point of glasses.

I understand AR can be expensive, most places can offer to tint your lenses a light 5 to 10 percent grey. Not as good as A/R but it will reduce the glare.

If you have a high RX. 1.66 or 1.67 lenses, the best, the lightest. Also have them roll and polish the edges, they'll look good, and they'll be lighter and more comfortable.

If you have skin allergies, tell the Optician, again TELL THE OPTICIAN! We don't read minds. We need to know. I don't want you wearing something made of nickle if it will break you out. Titanium is great, hypo allergenic and it works. If you don't want titanium, plastic is the way to go.

If you buy those frames that bend a lot, don't go around showing your friends how you can make them do yoga, you do that enough that memory metal is going to stay that way and there is nothing we can do about it.

Do not put your glasses on your head like a head band, NO, NO NO NO. They aren't a head band. Take them off, put them down. They bend, you have a fat head, I can't make them fit your face anymore.

NEVER clean your glasses with toilet paper, paper towels, etc or WINDEX. It will scratch your lenses. Windex will take off coatings. The best cleaner for glasses, water or Dawn dish soap, works wonders. Use a soft cloth to wipe them.

Those pretty rimless glasses, yeah if your a cluts a person who throws their glasses around, those aren't for you. They aren't for your teenager and they aren't for a person who thinks they can put them on top of their fat head or drops them, or even takes them off and on a lot. They look delicate because they are.

The best frames I've ever worked with are Luxottica, great frames, sturdy hold up well. But they do not hold up to, being run over, chewed on by a dog. Run through the dishwasher. Kid bending them, sitting on them. Getting them stuck in a drain or fire, yes I've heard all of the above, come in and say, well I was just wearing them, no, doesn't work.

Nose pads sometimes turn green, change them, it's disgusting.

Contact lenses, I don't care if you have eyes made of foam sleeping in them is not a good idea. But the FDA says it's OK. The FDA also says Aspartame is OK. Take a nap, OK. Sleep for years in a row, no, bad.

The best contact lenses I've found are Air Optix, or daily disposables. I also think the Accuvue contacts are nice. I've been wearing the daily disposables for years, love them, fresh pair everyday , these are great for teenagers and people that work in shops or swimmers.
 

phil36

Senior Member
Feb 12, 2009
8,276
2,126
113
#9
Pinches: I used to buy a lot of books, but now I wait and see for the kindle 'free' deals. Challies blog usually informs of good offers. Downside is they maybe only free for one day so they can be missed.. I use vinegar and water to clean my windows..far cheaper than products.. I learned this when I was a cabin boy (dogs body) on a ship I worked on years ago we used vinegar and water and instead of a cloth we used newspaper... believe it or not it works better than a cloth and chemical products. try it and see for yourself (also great for kitchen worktops).


Splurges: I'm not sure if I really splurge, a splurge for me is finding a bargain (that doesn't mean cheap, just value for my hard earned £'s) if I find a bargain i'm like the cat that's got the cream.. Shoes, well I don't have many pairs but I like a good pair.. Not for fashion reasons but sore feet wear you down lol. Sounds boring I know.. but as I am sure many will agree with when your working and bringing up young kids theres not much room for splurging.. (mine are grown up now) its a true saying that when your kids are young they will empty your wallet but when they get older they will wipe out your bank account lol.
 
J

Jullianna

Guest
#10
What are your financial splurges?
Those areas of your budget that you are willing to spend more money on for quality or to indulge yourself?

(Not in any particular order)

1. Traveling
2. A great car. Not a FANCY car, but a well made car I can rely on work-wise
3. Furniture and appliances for my house. These things are investments. I want something that is going to look nice AND wear well.
4. CERTAIN items of clothing/accessories like a really good coat/suit/briefcase/boots. Again, in my line of work these are investments. I am expected to dress a certain way and, for me, quality is better than quantity. I don't really do fads. Even then, I will shop at stores where the mark ups are not outrageous.
5. Education: Mine and my son's
6. Musical instruments

I am a bargain shopper. It's almost a game with me to find the best services/products I can find at the very best prices, even hair care. My stylist cuts me a deal because I let her use pics of my hair in her salon/for contests. I work very hard for my money and I want it to work hard for me as well.


What are your penny pinches?

The stuff you avoid buying at all cost, consider a total waste of money, or purchase as cheaply as possible despite the quality?

As I said in another thread, I will buy things like paper products and cleaning supplies at the Dollar Store, Walmart, etc. There are no expiration dates on things like toilet paper, paper towels, brooms, mops, dishsoap, etc. and they have the exact same brands I'll find elsewhere. A lot of people buy in massive quantities from the big box stores, but I don't really have time for that.

A surprising thing to me is that I have found a lot of less expensive items to actually work better for me than the more expensive items, particularly makeup/beauty products. I don't like things that are heavily scented and my skin is sensitive. I've tried salon products and some of the beauty care lines in major dept. stores, but always go back to Maybelline and Cover Girl. This winter has been so harsh that I've actually found Johnson's Baby Wash, Powder and Lotion to work better for me than a lot of expensive bath gels/lotions.

 
Last edited by a moderator:
A

abbiejean

Guest
#11
Vinegar and baking soda is all I use when it comes to cleaning. I do use a little bleach in the toilet and spic n span on the floors but with everything else, it's vinegar and baking soda. Vinegar and newspaper for windows is wonderful. No streaks. :)
 

phil36

Senior Member
Feb 12, 2009
8,276
2,126
113
#12
Ive haven't tried the baking soda..i've heard about that before but will give it a go,. I must admit I use bleach in the bathroom and kitchen floors.

I like this thread plenty of great ideas...
 

just_monicat

Senior Member
Jan 1, 2014
1,284
17
0
#13
Mmmm Kefir. I have a batch of kefir water on at the moment should be ready tomorrow.
i mostly do coconut water, which is what i like best. lately, i've been playing around with using dairy kefir grains with juice and getting this super fizzy juice-d kefir that i also like a lot--almost prefer over a lot of the stuff i've made with water grains. though, i can't imagine its too good for the health of the kefir grains (not like i have a shortage).

i also go through phases... coconut water/granny smith apple, make several quarts, bottle them, and then put the grains to rest in the fridge.

do you strictly do h20/sugar? which kind of sugar?
 
J

Jullianna

Guest
#14
I used to be an Optician and I can tell you one thing I won't penny pinch on is my glasses or contact lenses

When I say glasses I don't mean frames, I mean lenses. Frames are good and you can find a decent one at a good price, but the most important part of glasses is the part you're going to see out of. These are my reccomendations:

If you have a child, Poly Carbonate or High Index lenses, the way to go, yes poly and high index can scratch easier, but they are shatter proof and the safest lenses you can buy. Poly can at times distort vision, usually if this happens most reputable optical places will switch them to another material for free.

Transition lenses for most children and adults are a God send. Children especially, it protects their eyes. Transitions on high index lenses don't always get very dark, but they may have improved that by now. But for a child, unless they are just wearing them for reading, I recommend transitions any time. They don't care how dark it get's. But the glare off of eyeglass lenses hurts their eyes.

Anti Reflective coating, Crizal is the best, get the good quality, otherwise it's going to be a pain to clean them. Plus it lasts longer and effect at night and even in the day is fantastic. If you're on a computer all day, absolutely use AR coating. A must for your eyes. Yes AR for kids, I highly recommend it for kids. No glare they can see better, that's the point of glasses.

I understand AR can be expensive, most places can offer to tint your lenses a light 5 to 10 percent grey. Not as good as A/R but it will reduce the glare.

If you have a high RX. 1.66 or 1.67 lenses, the best, the lightest. Also have them roll and polish the edges, they'll look good, and they'll be lighter and more comfortable.

If you have skin allergies, tell the Optician, again TELL THE OPTICIAN! We don't read minds. We need to know. I don't want you wearing something made of nickle if it will break you out. Titanium is great, hypo allergenic and it works. If you don't want titanium, plastic is the way to go.

If you buy those frames that bend a lot, don't go around showing your friends how you can make them do yoga, you do that enough that memory metal is going to stay that way and there is nothing we can do about it.

Do not put your glasses on your head like a head band, NO, NO NO NO. They aren't a head band. Take them off, put them down. They bend, you have a fat head, I can't make them fit your face anymore.

NEVER clean your glasses with toilet paper, paper towels, etc or WINDEX. It will scratch your lenses. Windex will take off coatings. The best cleaner for glasses, water or Dawn dish soap, works wonders. Use a soft cloth to wipe them.

Those pretty rimless glasses, yeah if your a cluts a person who throws their glasses around, those aren't for you. They aren't for your teenager and they aren't for a person who thinks they can put them on top of their fat head or drops them, or even takes them off and on a lot. They look delicate because they are.

The best frames I've ever worked with are Luxottica, great frames, sturdy hold up well. But they do not hold up to, being run over, chewed on by a dog. Run through the dishwasher. Kid bending them, sitting on them. Getting them stuck in a drain or fire, yes I've heard all of the above, come in and say, well I was just wearing them, no, doesn't work.

Nose pads sometimes turn green, change them, it's disgusting.

Contact lenses, I don't care if you have eyes made of foam sleeping in them is not a good idea. But the FDA says it's OK. The FDA also says Aspartame is OK. Take a nap, OK. Sleep for years in a row, no, bad.

The best contact lenses I've found are Air Optix, or daily disposables. I also think the Accuvue contacts are nice. I've been wearing the daily disposables for years, love them, fresh pair everyday , these are great for teenagers and people that work in shops or swimmers.
I find myself wearing my glasses more these days. I've thought about contacts for convenience, but I really like my glasses. :)

I absolutely agree that transition lenses are a God send. :)
 
J

Jullianna

Guest
#15
Ive haven't tried the baking soda..i've heard about that before but will give it a go,. I must admit I use bleach in the bathroom and kitchen floors.

I like this thread plenty of great ideas...
My stepdad refused to brush his teeth with anything other than baking soda :)

I like using bleach on my kitchen/bathroom floors. Otherwise, mold eventually shows up in the grout.
 

just_monicat

Senior Member
Jan 1, 2014
1,284
17
0
#16
Vinegar and baking soda is all I use when it comes to cleaning. I do use a little bleach in the toilet and spic n span on the floors but with everything else, it's vinegar and baking soda. Vinegar and newspaper for windows is wonderful. No streaks. :)
yeah, me too! several years ago, a friend of mine told me that i could actually clean as well with natural items. i honestly didn't believe her until i tried it myself. now, i very seldom use any commercial cleaners and love baking soda. i buy vinegar by the gallons. i also use grapefruit seed extract for some things as well. combined with hydrogen peroxide and baking soda (and water) you can make a really amazing produce wash -- better than anything i've bought. i also have a pretty fabulous steam cleaner that makes doing the hardwood a snap.

on a seperate note, i'm completely fascinated by what people consider "splurges". shocking, actually.
 
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just_monicat

Senior Member
Jan 1, 2014
1,284
17
0
#17
grrrr... that edit window is just.too.short. sorry for yet another post. i wanted to clarify the last sentence made in the previous post "on a seperate note, i'm completely fascinated by what people consider "splurges". shocking, actually."

anyway, as i was saying about what i've been fascinated by is i will always think of top shelf/organic food as a splurge, when i am sure others might argue that it's an investment in health. i actually believe that it's the latter.

perhaps it's my ultra frugal grandmother who is constantly whispering in my ear.

but there's a part of me that really struggles with some aspect of guilt that we have so many children/families in our country that don't have enough to eat-- children that eat once a day -- their school lunch. elderly that are sitting at home waiting for their meals on wheels to arrive. i know that my buying crummy food isn't going to solve that problem.

on the other hand, why i don't have excessive amount of guilt justifying my ever-growing boot collection is probably not a coincidence. oh, and yes, boots should be considered a splurge. for some reason, i just slide them right over to "necessity" without batting an eye... hmmm.

this has been an interesting exercise.
 
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K

kenthomas27

Guest
#18
My stepdad refused to brush his teeth with anything other than baking soda :)

I like using bleach on my kitchen/bathroom floors. Otherwise, mold eventually shows up in the grout.
I brush with bleach.





I'm kidding. Really!
I dont' brush.

 
K

kenthomas27

Guest
#19
i mostly do coconut water, which is what i like best. lately, i've been playing around with using dairy kefir grains with juice and getting this super fizzy juice-d kefir that i also like a lot--almost prefer over a lot of the stuff i've made with water grains. though, i can't imagine its too good for the health of the kefir grains (not like i have a shortage).

i also go through phases... coconut water/granny smith apple, make several quarts, bottle them, and then put the grains to rest in the fridge.

do you strictly do h20/sugar? which kind of sugar?
wh.....what?
 
I

IloveyouGod

Guest
#20
Great question Grace!!

Financial splurges: I like quality in everything, so I'll pay for it because then things live longer. I don't like to look cheap. It's not classy....But it's not like it has to be a brand name though. I like to travel to Europe. Go out with friends. Like I said, I love perfumes and scented gel showers and scented soaps, candles, and these things sometimes can be a bit pricey.....I play piano, so sometimes I'll be taking lessons

Pinches: I'd say things that I don't care if they're quality or not. Like house cleaning stuff, I won't care if my duster is made of this specific fabric that absorbs the dust as long as it will do the job. Cooking utensils, whatever makes the job done. So yeah, things that I use around the house in general.