Keeping It Rich in a Recession

T-shirt purchased 2 years ago

About two years ago, @frugalista asked for people to share their recession stories on twitter. I replied with this picture of my then-recently purchased nightshirt that sarcastically reads, ‘What Recession?’ Boy, those were the days…

Today, I know exactly what recession everyone is talking about. My company lost its largest client about 12 months ago, I invested in a print shop that I am now selling because of increased losses and I just all around can’t seem to find the additional cash for the rising cost of food and gas! Hallelujah, I had a strong emergency fund and enough clients on the roster so I could pay the mortgage for 2011. But, what about 2012?

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AC Fasting Becomes Way of Life

Replacing the storm door with a screen door for the summer has really helped.Air conditioning is a luxury. No one can ever tell me differently at this point. I can’t believe I got through the entire summer to August without using my AC. Of course I don’t understand why it is so unbelievable, especially considering I grew up in Jersey City apartments in the 1970s with absolutely no air conditioning to even chose to turn on or off. But somehow, once you become ‘successful’, and exposed to certain things in life— like AC, you just feel as though you can not live without it.

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Prepaid Debit Update- Month 5

It’s July 17 and I have not reloaded the prepaid debit card yet this month because I have been so busy. But I tell you it is evident in my life that I have not. I’m spending money on birthday party gifts for my kids and ordering Dominos like crazy. And I’m not keeping track. We moved this month and so everything is out of whack. Bad time not to have a discretionary budget line, because there is definitely discretionary spending going on. At least when its on prepaid, I feel like its already in the budget. The biggest drawback is that hubs doesn’t have access to any extra cash when I don’t reload it so he can’t even go to Cold Stone and bring me a treat after work. I will put $200 bucks on that card tomorrow. And when its gone, there will be no more birthday party gifts, eating out or 10pm runs to Shop Rite for ice cream 🙂 (like now). Watch. Well, no more ’til August anyways :).

See Middle Class Prepaid Debit Experiment for details as to why I do this. Don’t try this at home if you can’t make ends meet.