It's not always ideal to pay with cash because inflation is driving up costs. But it's never a good idea to rack up a lot of debt, no matter how desperate you may feel. Either way, worrying about money won't make you happy.
There are a few items we should always buy with cash, just in case you need a gentle reminder. Every purchase you make, no matter how big or small, counts toward your financial goals. Now let's explore our carefully selected list of things to consider before making a purchase.
Groceries are important to our daily lives; they are food and goods we utilize. Grocery shopping is more economical and frequently preferable to eating out every day. However, if you can't pay your account right away, you shouldn't use credit to purchase groceries. The buy now, pay later alternatives available in modern food stores should be avoided at all costs. Unless there is an actual emergency, debt accumulation will only come back to bother you.
Going out to dine at your favorite restaurant on occasion is OK, even if you shop for groceries. This does not imply, however, that you should always eat out or eat at pricey restaurants.
A typical $20 meal you could prepare at home might not even be as excellent as the meals at some restaurants, which can cost $40 or more per person. Determine the reason for your frequent eating out. Eating out more frequently than a few times a month isn't sustainable unless you're bringing in business and making money.
Gas has become more expensive due to growing costs, and you almost certainly need to travel somewhere. Even so, it makes no sense to use a credit card to pay for gas when you know you don't have the cash. Do you regularly make lengthy trips to see your family? Or do you simply like to drive on the weekends? In any case, assess your spending to prevent going into debt to pay for gas, and limit the amount of time you drive to what is absolutely essential.
Haircuts? How about hairstyles? These days, a men's haircut often costs almost $40. Well-known salons could even charge more! If you follow this every week, you'll have a costly subscription in no time. Though it seems a bit extreme to suggest that people cut their own hair, think about getting a haircut once a month.
Women's haircuts can run into the hundreds of dollars! No haircut—regardless of the provider—is worth going into debt for. Pay with cash and practice frugal spending at the same time.
People are generally observed to be "soft" when they spend on coffee. Fashion brands, like coffee, are known for their excellent marketing. This means that consumers would have to pay $200 for pants that are comparable in quality to those that cost $25.
In actuality, you're probably wasting your money if you often charge your credit card for name-brand clothing. If you discover that you rarely wear everything in your closet, you might want to think about cutting back on your spending.
Other that groceries, dining out, gasoline, haircuts, clothing and accessories ... small appliances, books, gifts, public transportation, parking, fast food, coffee, flea markets, pet supplies, gym memberships, vacations, and similar expenditures must be in cash.
https://www.eatthis.com/groceries-you-should-have/
https://www.moneyunder30.com/the-true-cost-of-eating-in-restaurants-and-how-to-save/
https://www.forbes.com/sites/brianbushard/2024/04/08/gas-prices-surge-to-six-month-high-at-360-heres-where-prices-are-highest-and-why-they-could-keep-climbing/?sh=75a3e75d7bef
https://fash.com/costs/haircut-cost
https://www.cnbc.com/select/money-habits-of-self-made-millionaires/
😍#ilikeitalot!😍
Gold and Silver Stacking is not for everyone. Do your own research!
If you want to learn more, we are here at the Silver Gold Stackers Community. Come join us!
Thank you for stopping by to view this article. I hope to see you again soon!
I hope to see you again soon!
Hugs and Kisses 🥰🌺🤙!!!!
I post an article daily. I feature precious metals every other day, and on other days I post articles of general interest. Follow me on my journey to save in silver and gold.
@silversaver888
Posted Using InLeo Alpha
🤣 You just reminded me of a paraplegic patient I regularly check on during my Community nursing stint. He couldn't afford a haircut so he tried to do it himself with bad results. It was hard not to laugh but the only way to fix it was to go Army cut and cut it for him.
You're a Good Egg Ms. Ravenhill @kerrislravenhill
The Night Nurse has some Skills !
!LUV
!LADY
!PIZZA
!LOL
Got sheep in the Army?
!LUV
!PIZZA
stokjockey, kerrislravenhill sent you LUV. 🙂 (1/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
View or trade
LOHtokens.@stokjockey, you successfully shared 0.1000 LOH with @kerrislravenhill and you earned 0.1000 LOH as tips. (1/4 calls)
Use !LADY command to share LOH! More details available in this post.
kerrislravenhill, stokjockey sent you LUV. 🙂 (1/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
lolztoken.com
But it folded.
Credit: reddit
@kerrislravenhill, I sent you an $LOLZ on behalf of stokjockey
(2/6)
Delegate Hive Tokens to Farm $LOLZ and earn 110% Rewards. Learn more.
Very good, sis!
How often are you required to do community nursing? Is it voluntary. Or is it another line of work for nurses, like working in a skilled nursing facility?
!LADY
!LUV
View or trade
LOHtokens.@silversaver888, you successfully shared 0.1000 LOH with @kerrislravenhill and you earned 0.1000 LOH as tips. (1/30 calls)
Use !LADY command to share LOH! More details available in this post.
kerrislravenhill, silversaver888 sent you LUV. 🙂 (1/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
I was working as Community Nurse checking in on patients in their homes for a few years following institutionalized care before I found a Residential group facility that's only 15 minutes drive from my home, 40 minutes by bike. Now, I can volunteer as a driver for local Cancer patients to their treatments.
!LUV
silversaver888, kerrislravenhill sent you LUV. 🙂 (1/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
Here in the US, I hear, they are paid higher than a regular nurse. Working close to home is a premium!!!
!LUV
!LADY
View or trade
LOHtokens.@silversaver888, you successfully shared 0.1000 LOH with @kerrislravenhill and you earned 0.1000 LOH as tips. (1/30 calls)
Use !LADY command to share LOH! More details available in this post.
kerrislravenhill, silversaver888 sent you LUV. 🙂 (1/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
You received an upvote of 87% from Precious the Silver Mermaid!
Thank you for contributing more great content to the #SilverGoldStackers tag.
You have created a Precious Gem!
Thanks, @ssg-community !
!BEER
!BEER
View or trade
BEER.Hey @pixresteemer, here is a little bit of
BEERfrom @silversaver888 for you. Enjoy it!We love your support by voting @detlev.witness on HIVE .
View or trade
BEER.Hey @silversaver888, here is a little bit of
BEERfrom @pixresteemer for you. Enjoy it!Learn how to earn FREE BEER each day by staking your
BEER.I use a credit card with cash-back rewards for almost every purchase. I enter the purchase into a check register, rounding it up. When the statement arrives, I add all those purchases back into the register, pay the bill in full, and end up with a little extra because of the rounding up. Well, sometimes I forget to enter a small purchase and the extra goes towards making up for that. If I return something during the month and get a credit on my account, I don't enter that into the register. Again, a little something extra at the end of the month.
I tend to use a debit card for groceries in order to get cash back without an ATM fee. The cash often goes for bullion purchases at my LCS. I pay for coffee (a daily indulgence...shout out to my friends at On the Grind!), in order to get coins to look through (copper pennies, stray silver?) and put in a piggy bank at home.
All that said, your advice is spot-on. Debt is slavery!
!BBH
There you go!!! I do the same thing, cash-back rewards are one of the ways I save money. And debit cards for groceries. Plus more! Then start all over again every month.
Practical minds think alike!
!BBH
!PIZZA
!HUG
I sent 1.0 HUG on behalf of @silversaver888.
(3/3)
@kunschj! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @silversaver888. (7/20)
@silversaver888! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @kunschj. (1/1)
$PIZZA slices delivered:
@silversaver888(1/15) tipped @stokjockey
kerrislravenhill tipped stokjockey
stokjockey tipped silversaver888
silversaver888 tipped kunschj
stokjockey tipped kerrislravenhill
Taking from Peter to pay Paul is a crazy way of doing anything involving money, cards have taken many down very dark road into debt.
Price check before wherever possible some stores run specials enabling savings. Home cooking is great advice, support local farmers wherever possible.
Great advice given, turning our pennies into pounds, or simply for that rainy day when you really need savings.
!LUV
!LADY
View or trade
LOHtokens.@joanstewart, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (2/17 calls)
Use !LADY command to share LOH! More details available in this post.
silversaver888, joanstewart sent you LUV. 🙂 (2/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
Taking Peter to pay Paul is a sign that one has charged beyond their means, and pretty soon the inevitable will happen. Unless they stop charging, find another additional source of income, and negotiate their debts down, one is doomed!
It is better to avoid revolving debt all together.
!LUV
!LADY
View or trade
LOHtokens.@silversaver888, you successfully shared 0.1000 LOH with @joanstewart and you earned 0.1000 LOH as tips. (2/30 calls)
Use !LADY command to share LOH! More details available in this post.
joanstewart, silversaver888 sent you LUV. 🙂 (2/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
I have made family member sit down cut up cards, close accounts, place their cash component into one bank and avoid debt, it was starting the eat them up not knowing which way to turn.
Many say easier said than done, no not at all, talk to the bank manager involved, many are more understanding than one realizes, they don't want to take on loss through non-payment. !LOLZ
lolztoken.com
Because they know how to multiply.
Credit: theabsolute
@silversaver888, I sent you an $LOLZ on behalf of joanstewart
(2/8)
Delegate Hive Tokens to Farm $LOLZ and earn 110% Rewards. Learn more.
Ms. Saver @silversaver888
!LUV
!LADY
!PIZZA
!LUV
!LADY
!PIZZA
View or trade
LOHtokens.@silversaver888, you successfully shared 0.1000 LOH with @stokjockey and you earned 0.1000 LOH as tips. (3/30 calls)
Use !LADY command to share LOH! More details available in this post.
stokjockey, silversaver888 sent you LUV. 🙂 (3/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
View or trade
LOHtokens.@stokjockey, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (1/4 calls)
Use !LADY command to share LOH! More details available in this post.
silversaver888, stokjockey sent you LUV. 🙂 (1/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
If you are very disciplined many credit/debit cards will pay you in rewards @silversaver888 !😊
If you know you don’t have the discipline it’s probably better to pay with only cash!😇
You are right, of course! The best is not to use your cards at all!
It's best to live simply with minimal wants and needs, @silvertop !
How we wish it didn't get so complicated. Some stores are cashless now, and with the frequency of fraud, you cannot risk using your debit card.
!BBH
@silvertop! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @silversaver888. (1/20)
At Home Depot and Walmart most checkouts are card only @silversaver888
That’s the way our society is heading!🙄
Ms Saver @silversaver888
I like this guy too he is talking about the Realities of Real Estate and What owners are facing with the Costs......
!LUV
!LOL
!LUV
!LOL
stokjockey, silversaver888 sent you LUV. 🙂 (4/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
silversaver888, stokjockey sent you LUV. 🙂 (2/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
lolztoken.com
It's a little meteor
Credit: reddit
@silversaver888, I sent you an $LOLZ on behalf of stokjockey
(1/6)
Ms. Saver @silversaver888
Something I know you will enjoy seeing. It's the First time I have seen an Original!
!LUV
!LADY
Original packaging... neat!
But I am satisfied with mine!
!LUV
!LADY
View or trade
LOHtokens.@silversaver888, you successfully shared 0.1000 LOH with @stokjockey and you earned 0.1000 LOH as tips. (4/30 calls)
Use !LADY command to share LOH! More details available in this post.
stokjockey, silversaver888 sent you LUV. 🙂 (5/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
I know you're Happy with yours I just Wanted to share something that I have not seen before..... Very Cool
View or trade
LOHtokens.@stokjockey, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (2/4 calls)
Use !LADY command to share LOH! More details available in this post.
silversaver888, stokjockey sent you LUV. 🙂 (3/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
Use only what you have, I agree 100%. Although I put most everything on my cashback card and pay the balance in full every month. But one should never live off of credit, it's nothing but a black hole of debt...
Wise words, @thebighigg !
!BBH
@thebighigg! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @silversaver888. (2/20)
!LADY
View or trade
LOHtokens.@ladiesofhive, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (4/30 calls)
Use !LADY command to share LOH! More details available in this post.
View or trade
LOHtokens.@silversaver888, You have received 1.0000 LOH for posting in Ladies of Hive. We believe that you should be rewarded for the time and effort spent in creating articles. The goal is to encourage token holders to accumulate and hodl LOH tokens over a long period of time.
Congratulations @silversaver888! You have completed the following achievement on the Hive blockchain And have been rewarded with New badge(s)
You can view your badges on your board and compare yourself to others in the Ranking
If you no longer want to receive notifications, reply to this comment with the word
STOPThe saving queen 👑 !BBH !LOL
That, I am, !LOL
And so are many of our friends here!!!
!BBH
!LOL
@bitcoinman! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @silversaver888. (3/20)
lolztoken.com
Whenever we go somewhere they keep asking RV there yet.
Credit: blockchainerx
@bitcoinman, I sent you an $LOLZ on behalf of silversaver888
(4/10)
ENTER @WIN.HIVE'S DAILY DRAW AND WIN HIVE!
@silversaver888! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @bitcoinman. (9/50)
lolztoken.com
A synonym roll.
Credit: reddit
@silversaver888, I sent you an $LOLZ on behalf of bitcoinman
(3/10)
NEW: Join LOLZ's Daily Earn and Burn Contest and win $LOLZ
All good advice sis! One thing that really caught my attention was the haircut price! I have not had anyone cut my hair in over 20 years! I have cut my own hair for years; when my kids were growing up, I cut theirs and I cut @silvertop's even now. I can't imagine how much a haircut would cost me given the length of my hair and how I do the top of it.
Thank you for sharing sis and have a blessed week!🤗💜😍😘💕🌷 !LADY !LUV
View or trade
LOHtokens.@elizabethbit, you successfully shared 0.1000 LOH with @silversaver888 and you earned 0.1000 LOH as tips. (4/30 calls)
Use !LADY command to share LOH! More details available in this post.
silversaver888, elizabethbit sent you LUV. 🙂 (2/5) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
You saved a lot in 20 years by cutting your own hair, @silvertop's, and your sons!!!
Enjoy the week as well, sis!
I've been sort of sick Sunday, Monday, and better today. I've been resting the past few days, in bed.
I hope to be better tomorrow'
!LUV
!LADY
!PIMP
View or trade
LOHtokens.@silversaver888, you successfully shared 0.1000 LOH with @elizabethbit and you earned 0.1000 LOH as tips. (5/30 calls)
Use !LADY command to share LOH! More details available in this post.
You must be killin' it out here!
@silversaver888 just slapped you with 1.000 PIMP, @elizabethbit.
You earned 1.000 PIMP for the strong hand.
They're getting a workout and slapped 1/1 possible people today.
Read about some PIMP Shit or Look for the PIMP District
elizabethbit, silversaver888 sent you LUV. 🙂 (6/10) tools | trade | connect | wiki | daily
Made with LUV by crrdlx.
I'm sorry you haven't been feeling well. That isn't any fun! I hope you feel much, much better soon! Much love to you!🤗💜😘😍🌷💕🌹💜🤗
Stay STOKED Ms. Saver @silversaver888
It's the same, here people from Asian countries mostly carry cash and make payments with it.
Yay!!! That is good, @djbravo !
!BBH
@djbravo! Your Content Is Awesome so I just sent 1 $BBH (Bitcoin Backed Hive) to your account on behalf of @silversaver888. (4/20)
Yeah.
40? I pay 18 for a haircut. But then again I’m just a jackass :)
Good!!!
!LOL
lolztoken.com
My doctor told me to sleep on it.
Credit: reddit
@goldenjackass, I sent you an $LOLZ on behalf of silversaver888
(5/10)
Farm LOLZ tokens when you Delegate Hive or Hive Tokens.
Click to delegate: 10 - 20 - 50 - 100 HP