My kids all suppose that I am the stingiest miser to ever live.
And, from their perspective, I get it.
I say no to purchases far more than I say yes. However, I am not going to sacrifice funding their future school savings just so they can have the latest tech gadget. That’s just not going to happen. But, I really do wish that I was able to possess more discretionary funds to share with them. It’s just my work salary has not advanced at the same rate as our household costs have. This is a simple fact which requires myself and others to fully monitor our household budget at all times. There are many tough decisions that my husband & I have to make concerning currency. We are forever digging through our expenses searching for ways to save. The Heating, Ventilation, & A/C has been a very large target for us. We finally got absolutely proactive about how the people I was with and I had to approach our Heating, Ventilation, & A/C usage. For years, I just paid the bills when they came in because that was just the price of having Heating, Ventilation, & A/C comfort. However, as the expenses grew, I had to revisit those sort of behaviors. So, the people I was with and I sealed up the beach house tight, programmed the climate control unit, put in solar shades & focused on reducing Heating, Ventilation, & A/C spending. This worked really well as the people I was with and I saw a 20 percent savings over that 1st year. However, the people I was with and I were still paying to have the Heating, Ventilation, & A/C looked at on a semi annual basis. That was not an insignificant charge. We even considered canceling the maintenance altogether. However, after about 5 hours of research, the people I was with and I understood that would be a real mistake. Heating, Ventilation, & A/C maintenance is worth every last penny in the long term.