As I sit here enjoying my first coffee of the day, I am going through my e-mails. I have a number of ones that are going to save me money. Really?
Arby’s wants to give me $5.00 off a $20.00 purchase if I use it by tomorrow.
I have a number of e-mails about % off from Kohl’s.
Twenty % off everything at Vera Bradley through tomorrow.
Up to 80% off at Ann Taylor.
Forty % off one item at CVS.
QVC has reminded me that I have a $10. credit on my account. I might use that eventually if I need something from them because it does not expire. However, I am finding that most of the time what you see that you need from them, you can find cheaper elsewhere. So if I use it, I will have to determine if it is cheaper elsewhere or with the $10. off at QVC.
Applebee’s will give me $10. off a $30. order if I use it by the 16th. I am pondering using that next week if Hubby wants Applebee’s. Hubby is picky and may not want something from them on our take out night. There is also a possibility if we do get take out from them, that we might split an appetizer or something that costs less than $20.
The list goes on and on. This is a daily occurrence. So many e-mails that try to pick our pockets.
They have one big thing in common! If you don’t really need something, you are spending money needlessly.
Sure I could save $5.00 at Arby’s but I have to spend $15.00 of our money to do it. If I haven’t planned to go to Arby’s, why would I throw $15. away.
If I truly need something from Kohls, Vera Bradley, Ann Taylor, and CVS, then I could save some money. But I don’t, so they all got deleted. Sure I could buy something from them to save those percentages because I want to. But then you are not saving money, you are needlessly spending money.
Every time you get an e-mail like this, you should ask yourself, can I use it for a need that we have? Will it really save me money or can I get it cheaper somewhere else? Am I using it because I want to? If that is the case, if you have the cash and can afford it, go for it. If you have to charge it and can’t pay the bill in full, then you should not be buying your wants.
Just a little coffee time chat to remind myself and all of you that we don’t have to part with our money just because there is a deal out there. That most of the time you are needlessly spending money instead of saving money.
I will be back with a post after dinner tonight for the Low Spend Grocery Challenge.