Frugal Tip: Just Say No

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Saying no to good things can be hard. But, it they aren’t essential things, saying no can be a great way to save money.

Last weekend I took my girls shopping. It was the littlest FishChick’s birthday and our GIRL tradition is to buy a new dress on birthdays. I claim this as my right after birthing four boys and stepping on countless Legos.

FishChick4 chose a very cute, pink tulle ballerina-type dress and proceeded to wear it all weekend.

While we were browsing Old Navy, all kinds of cute things caught my eye. Nothing was extravagantly priced. But, I knew that if I started down the path of “just a few pieces,” my bill would add up.

  • Did I have the money? Yes.
  • Were they good deals? Yes.
  • Were they attractive? Yes.
  • Did I need something new? Not really.

Oh, I tried justification mode. My old black hoodie is pretty faded. And I can’t find it anyway.

But, I withstood the peer pressure. I just said, “No.” I kept the $12 in my pocket. I walked right out, with only a pink tulle dress in my bag.

And you know what? I found my hoodie as soon as I got home. And I’m okay with that.

Small ways to save are like drops in a bucket. Eventually, they fill up the bucket.

Today’s Frugal Friday!

Time to swap ideas and inspiration for saving money.

How do YOU save money?

Please remember to follow the Frugal Friday Guidelines or be deleted.

  1. Post a money saving idea and explain how it is helpful in your post.
  2. No giveaways or deals posts.
  3. Recipes are allowed, but you must explain how it saves people money.
  4. Please include a link back to Life as MOM.

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  1. Yes, this is so important. Last night when I was grocery shopping I kept thinking, “it would be nice to have such and such” but every time I went down that road I thought of something else it would be nice to have. We could’ve afforded it but instead I loaded up on fruit and veggies and kept walking (reminder to self: remember to eat dinner before going grocery shopping).

  2. Good for you! 🙂

    Everyone has different stages and temptations. My temptation is to wear the same old clothes until they are obviously rags. Not good.

    Well, yesterday I went out and bought some clothes: a really cute sweather and a gorgeous dressy top. On sale of course.

    Since I’m a confirmed underbuyer (see Gretchen Rubin’s books for an explanation of that term) these are the first clothes, besides undies and socks, I’ve bought for myself in over a year.

    And my husband was pleased.

  3. Thanks for hosting! I’m linking a recipe for easy tomato ketchup. Now, it’s probably not cheaper than buying generic ketchup from the 99 cent bin once you factor in your time, but it is cheaper than buying artisan gourmet ketchup from a foodie store 🙂 Plus, it just tastes really good and doesn’t cost that much to make if you grow the tomatoes yourself.

  4. You are so right! I always go into a store with a few principles. 1) Never pay full price, 2) Stick to the clearance aisles 3) Before going to the register, step aside and evaluate everything you have in your cart.

    This goes for every store I go into, and I am one of the few, who can go into Walmart and exit with only what’s on my list.

    1. BTW, with 3 boys in the house (and a new baby (gender unknown) on the way), I can completely understand your need to splurge on dresses:)

  5. Forget saving money, what a sweet tradition for your girls’ birthdays! I may have to borrow that one 🙂

    Back to saving money: I’ve been passing on so much stuff that I could definitely use (at least a little bit) and afford this past year, because we’ve been trying to get rid of our extra stuff. The thought about trying to find a place to put those new things stresses me out. So I’ve been leaving them on the shelves. It’s good for my clutter situation and great for my wallet 🙂

  6. The one big thing I started doing was buying books super-used, i.e. in good to poor condition. When my son was born, I always felt odd doing this – like it meant I didn’t love him or something. Now I know better.

    I find the majority on Amazon for .01cent or less, and if it’s not on there, my local swap shop usually has it, including homeschool books.

  7. I like your birthday tradition and think we need a picture of this pink tulle dress. 🙂

  8. Home run, Jessica. Well done! 🙂

    Earlier this month, I volunteered to help a friend by hosting a Pampered Chef party on Facebook (yeah, I didn’t know you could do that either). A few of my friends ordered stuff, and then my PC consultant friend called to tell me I could get a free gift and 60% off a bunch of other items. I looked around the PC website, I looked around my kitchen, I looked at our financial goals, and I called her back and told her I didn’t need anything. She.Was.Shocked. Honestly, so was I – at how easy it was to say “No thanks.” Just because it’s a good deal, doesn’t mean it’s a good use of resources, and certainly doesn’t mean that I need it. A lesson I’ve slowly been learning over the last year.

  9. Good for you realizing that it was just a drop in the bucket!
    I saved drops for 22 years my account had $384 thousand dollars in it.
    Every nickel dime and penny did add up!
    Think about it this way let’s say we make $15.00 decisions that we are splurging with 3 or 4 times per week x 52 weeks per year times 20 years of (higher earning years leaves x amount for retirement!) It does add up.

  10. You can give you faded hoodie some new life with a bottle of Rit dye from Walmart. I think that Jamie does that a lot since she has so many clothes that are black.

  11. This is very true! When trying to save, you really have to distinguish your “needs” from your “wants”. If it’s not a “need”, have have to just say no!

  12. Yes, a bottle of Rit dye is super helpful plus wash and rinse with white vinegar too.

    I’ve been doing the same thing. “Just say no”. I’ve recently thought how cute a pair of flats with a darling large bow on the toe would look with a long skirt I made for an upcoming wedding. *Eh hem* I have several pair of black ballet flats, one has a tiny bow. The others are plain but pretty in different materials. Is it worth it to pay close to $25.00 to have another pair to keep up with, with a larger bow that no one will probably notice for people I really don’t like at a wedding? No! : )

  13. Ahh, temptation – the siren call.

    Seeing all the cool colored pants that are back in fashion this fall, I’m really tempted to go buy some. First, I’m going to shop my closet. I may need to get rid of pants that are getting too tight. I may have pants that I’ve forgotten about. I may have pants that need hemming. I may be able to ignore the call by having a fashion afternoon with my dd5 putting outfits together. 😉

  14. Great job! Sometimes I have a problem saying “yes” to clothes…I hit that justification mode, recognize it, and shut it down even if it’s something that I need.

  15. I have a hard time buying clothes too…and it’s usually b/c we need them. I shopped online last week b/c my son grew a lot this year and has an empty closet when it comes to fall clothes. Even though I got amazing bargains, I still feel like I wasted money. Grrr…I think it’s b/c I’d rather spend $ on food, lol. A total foodie.