Have I gone too far? (I cut pizza out of my budget)

 

 Have I gone Too Far?

The first step in getting out of debt is to figure out where your money is going.  I learned a lot when I reviewed my spending last year. It was a bit depressing, but at least I learned how I was wasting my money.

I wanted to take control.  If I spent money on something, I wanted to get value from it.

So, when I reviewed my credit card statement,  I noticed that I spent a lot on pizza deliveries.  Each large pizza was about $23-$25 depending on whether I had a deal, coupon code, or special offer.

I almost always use a coupon code from Ebates and get cash back from my online purchases. More about Ebates Here.  However, pizza delivery is not usually a cash back item.

Either way, it’s a lot for a pizza when you compare it to a pretty good pizza I can buy frozen. It’s an extra $15-17 each time I order delivery pizza. And most of the extra cost is delivery fees.

So, I started buying store bought pizza and I’m saving about $51 each month ($17 savings 3 X per month).

 

 

 

Is it a huge savings?  Not really.  But right now, I’m fired up.  And I want my car payment to go away.  And I’m kind of sick of being ripped off.

Why is the delivery pizza so expensive?  There’s a $4 delivery fee and taxes plus I give the driver a tip.   I don’t know how much of the delivery fee that he/she gets to keep.  I like to tip people who work hard.  But, I would prefer to keep my money.  Delivery pizza is not that great.  And it takes much longer.

 

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The key to this process is to align where you’re spending your money with your values.

• What do you value?
• What is really adding value in your life?

For some people, cutting the cord on cable is a great way to save money.  For others, that would be crazy.  As long as you’re getting value, then it makes sense.

 

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What doesn’t make sense is spending money for a service without actually getting value.  I was paying over $100 a month for a storage locker.  That is a great example of an item that was adding zero value in my life.  Yet, here I was spending money month after month for this service.  Until I woke up and said, “No More.”

Bottom line- right now I’d rather be a little closer to paying off the car and being out of debt than pay $100 this month for pizza.  Also, I tend to eat too much of the delivery pizza because it’s better than the store kind.  So, this should help my waistline a bit too.

Maybe I’ve gone too far.  I’m fired up and focused on the paying off my debt. I’m seeing all the stuff I purchased over the last 15 years that added very little value to my life and I’m done spending money that doesn’t add value or make me really happy.

 

 

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