With the rise in prices of everything and anything, I have been super conservative with my spending.
You can even say that I have become a strict money manager when it comes to my finances.
Currently, I am at the point where I know how every penny in my bank account is being spent. Recently, I went through my online statement and got rid of all the extra subscriptions that I did not need. Additionally, for the ones that I did keep, I logged into my accounts and made adjustments where I could, to lower the monthly cost. I am beginning to think we don’t need all this excess that we all have. If you think about it, there are certain things that we need, but there are things that are pure luxury that we could do without. For instance, I don’t need a daily coffee from the local coffee shop, but I do need a bed to sleep in or a place to live. And within that place to live, I need hot water, electricity as well as central air conditioning and heating. Having central air conditioning and heating guarantees that inside my home is comfortable all year long. Yes, I could possibly eliminate central air conditioning and heating by using other methods to keep my home comfortable, and I have considered doing it. Instead of central heating, space heaters would be a great alternative for heating my home. While space heaters can’t provide heat to an entire house, they are great for small areas. Anyway, I will continue to cut down on as much expenses as I can, and for those essential items that I need like central air conditioning and heating, I will eventually find ways to cut costs without compromising the comfort of my home.