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I'm seeing what I really spend...

August 21st, 2015 at 11:13 pm

I've been using Ynab for a few months, and it has been eye opening. For starters, I've always claimed that I didn't spend a lot on clothes and personal maintenance like skin and hair. Well. I was wrong. For the past 3 months I have spent significantly more on clothes and upkeep than I budgeted for, what I thought I was spending. I am way more vain than I ever realized! Smile

Tracking and seeing my spending on these items has made me think, how much of my resources do I really want to be spending on appearances? Looking at me, you wouldn't think I spend a ton, I don't look like a high maintenance woman. But it is still a decent amount of money considering my income. Especially since I also include clothes and personal maintenance for my 2 teenage daughters as well. I can't imagine what some of the truly high maintenance women I know spend on appearances. I just don't want to spend that much money, I have better things to be spending my money on right now!

Posted in Uncategorized | 5 Comments »

5 Responses to “I'm seeing what I really spend...”

  1. FrugalTexan75 Says:
    August 22nd, 2015 at 02:41 am 1440211316
    1440211316

    YNAB is great for helping make you more aware of what you are really spending, as well as helping you figure out if that is really the job you want that money to do. Smile

  2. VS_ozgirl Says:
    August 22nd, 2015 at 06:27 am 1440224846
    1440224846

    They call this the double whammy for women! We earn less money than men and have to buy makeup, clothes etc to conform to society's standards and generally at a higher price. Now that I'm more aware of this I try to spend as little as possible on the items I buy (I refuse to buy less though). Cosmetics and vitamins etc I get from a pharmacy where they give you cash back. Clothes I try to limit to a couple of under $50 pieces a month (sometimes you need to spend more but it is planned generally). Now that you're aware you can look at more affordable options in your area.

  3. snafu Says:
    August 22nd, 2015 at 02:38 pm 1440254281
    1440254281

    Terrific that YNAB is working for you and helps point out 'spends' that can be modified. I wondered if you've read Paula Begoun's book, 'Don't go to the Cosmetic Counter Without Me.' It's usually available at the library or used copies from on-line sellers. She has analyzed the rands or items plethora of cosmetic products and explains what makes certain brands or products better than others, what makes an item worth with the cost and what is bumpf. So much of the cost can be the packaging which is discarded and of course the celebrity branding.

    There are dozens of ways to cut costs of grooming services and products for you to chose. It's fun to work with a friend to do facials, manicure, pedicure, hair treatment and even hair color. Groupon publishes discounts daily for hair, nail, spa services for major discounts to familiarize clients with new products ad services.

    Beauty schools are always seeking clients to practice procedures and instructors guide their every move. The level of risk is small.

  4. alice4now Says:
    August 23rd, 2015 at 10:17 am 1440325021
    1440325021

    Thanks for the suggestion for the book, snafu. I will look for this one.

    I noticed a Paul Mitchell beauty school while running errands in a neighboring city, I may call them next month when it is time for our haircuts.

  5. rob62521 Says:
    August 23rd, 2015 at 05:55 pm 1440352531
    1440352531

    How true...women do spend more than men on clothing and such. Hubby's h/c is cheaper then mine. And I know this is silly, but look at the construction of men's underwear to ladies' "dainties."

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