Tag Archives: budget pitfalls

Budget Busters-Shoes

You and your spouse have carefully planned how much you can spend on groceries each month. You have switched from buying prepared foods to preparing your own food at home.

You go to the mall to look for a birthday present for your niece. While walking through the mall, you notice a sale at the shoe store. You go in just to look around. Next thing you know, you are leaving the store with three new pairs of shoes! You have busted your budget!!

If you are trying to save money, you should only be buying what you need. How many shoes do you need? Philippians 4:19″And my God shall supply all your need according to His riches in glory by Christ Jesus.”

We live in the country. We do not have sidewalks to walk on. I have an old pair of sneakers for walking down the road when it is muddy or for working in the garden. I have a pair of good sneakers for walking when the road is nice or going to the ballfield in. I have one pair of boots for winter. I have a pair of what we used to call boondockers for when it is cold and slippery. I have a pair of shoes for everyday. I have one pair of dress shoes for special occasions and church. For the summer I have one pair of sandals. Seven pairs of footwear is all you need. I also own two pairs of dress boots but they were gifts.

How many shoes do you have? Many women have fifteen, twenty, thirty pairs of shoes for one season. Many men have multiple pairs of boots for hunting or fishing. Too many shoes mean you are wasting money!

Quality shoes can be quite an investment. A pair of shoes may cost around $200.00. We need shoes, but let us do our shopping. Ask your mate whether he or she thinks you need another pair of shoes. Your spouse is there to balance you, if your mate does not think you need another pair of shoes, you do not need them.

If you and your spouse agree you need shoes, there are great sales. Shop around for exactly the type of shoe you need. Then wait while keeping track of sales, buy the pair of shoes on sale and save up to fifty percent! Budget kept! Having money in the bank is not the ultimate goal in life! But…having money in a savings account is wise. Work out a budget! Agree to keep it! Keep your word to your spouse!! Ask God to help you! Proverbs 28:6 “Better is the poor who walks in his integrity, than one perverse in his ways, though he be rich.”

Budget Busters: Snacks!

Do you have a budget? Are you controlling yourself to stay within the confines of your spending plan? How much of your income is expendable?

Most people, like you and I, are trying to save money. Sometimes we are blind to the ways in which we waste money. The temptation to break our budget is often unnoticed, until we go over our receipts at the end of the month.

Most of us go to the grocery store for much of our food. Since we are on a budget, we watch what we are buying. We may buy less snack foods. For instance buying pretzels instead of potato chips is a healthier choice and you are getting more food for the same amount of money. At our grocery store, pretzels sell for between two dollars and two dollars and fifty cents a bag.

Now, we stop at the pharmacy on our way home from work to pick up a prescription. We are hungry, so we buy a bag of healthy pretzels. That same bag of pretzels is four dollars and fifty-nine cents! Buying the bag of pretzels is a budget buster! You have paid more than twice what you would have paid at the grocery store for the same item!

How can we avoid the pitfall mentioned above? One way is to discipline yourself and just say no to buying snacks on the way home from work when you are hungry and tired. Another way to combat the temptation, is to keep healthy snacks in your vehicle, that you bought at the grocery store when you did your weekly grocery shopping. My family keeps containers of dried apples in our vehicles. If the container is kept closed the apples will keep for a long time. Dried apples do not spoil when exposed to freezing temperatures. We dry our own apples in the fall, when apples are inexpensive.

We also keep bags of granola and pretzels in our vehicles, on which to snack. Small jars of peanut butter that you can dip your pretzels into, turn the pretzels into a more balanced snack by incorporating protein.

To stay in control of your finances, check your receipts at the end of the month. To avoid the budget buster of snacks bought on the spur of the moment, keep healthy snacks with you as you travel.