I’m really lucky to have dug myself out of massive hole of debt, with the assistance of my new husband and by changing careers. Because of that, I can now put away money monthly into a travel account and I put double that into a savings account for unplanned expenses. At the end of the year, I’ll be able to buy some RRSPs and still have some in the savings account.
Going to Cuba at the end of the month and am sooo happy not to be in debt for it. But I have to add that I get my hair done at one of those cheap places that’s less than $20 including tip, only two or three times a year, don’t spend money on manicures, pedicures, spa days, lattes or a lot of money wasters that don’t benefit my overall quality of life. I buy second hand clothes that look brand new and are dirt cheap, with the occasional splurge. My hubby maintains our second-hand vehicles so they look fabulous and run smoothly.
I got tired of trying to impress people I didn’t care about, buying things I didn’t need. I won’t be fretting about Christmas this year, although last year I think I spent about $200-$300 on presents for the two of us. When I do give gifts now, I try to give tickets to events or items that can be consumed. After travelling to third-world countries, I realized how much STUFF we all have that we don’t use.