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I Refuse To Spend Money On…

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Some expenses are unavoidable but if I can help it, I’ll pinch pennies where I can. After being married for two years, my husband and I have found many round-about alternatives to avoid wasting money. Some you may relate to, some you may raise an eye-brow to, but we’ve saved hundreds of dollars per year and we don’t feel like we’re missing out. To name a few…

Cable

I’m not how long this will last, but as of now we don’t even have a TV. We use Hulu.com to watch TV shows on our laptop and rent movies from the library. I actually forgot about the world of cable until a cable rep came knocked on our door asking if I’d like to hear about some promotion going on then and gazed at me confused when I responded “no thanks, our wireless in included in the rent.”

Any beverage but milk

You won’t find any juice, pop, or even bottled water in our fridge. I fill my water bottle or cup from the faucet for each meal. My husband & I only use milk in our oatmeal for breakfast or his post-workout shake. Occasionally you’ll see a bottle of Two-Buck Chuck (wine) from Trader Joes.

Washing dishes

Unless we have a group of people over, we don’t use our dishwasher. Dave hates clutter and I hate dirty dishes sitting around, so we have an unspoken “wash as you go” policy. This gets rid of the cost of buying detergent for the dishwasher. If we do use it, I select the air-dry setting so I don’t waste money on the heat-dry setting.

Hair cuts

This is partially true. I have long hair that doesn’t require much upkeep, so I get my hair cut ever 3-4 months. I either have my sister-in-law do it if she’s around or I get it done for $11 at a cheap place down the road where some high school friends work. We save close to $150 a year by cutting Dave’s hair every month. He uses his own clippers and I help him touch up any missed spots. It took a few “whoops” moments on my part but I’ve gotten pretty good at it!

New cars

I’m very grateful for my dad’s car skills. He loves buying fixer-uppers with the engine sitting in the trunk and turning them around to sell for profit. My dad always put a thousand miles on the fixed cars before selling them to make sure the kinks are worked out so I went through 4-5 cars throughout high school. We currently drive the same 1999 Honda Accord Dave’s parents gave him in high school but plan to buy a fixer-upper from my dad when we need a second car down the road. Until then, Dave will continue to walk the whole 5 minutes to work from our apartment.

Shaving cream

You heard right. I don’t use shaving cream. Dave does, but I don’t. I’ve been blessed with fine hair and am invincible to nicks! I use nicer brands of razors like Venus but I’ve never bought my own razors. My mom has always given them as a stocking stuffer for Christmas and they last me a year! Instead of buying shaving cream and razors for two people, we just need them for one.

What do you refuse to spend money on?

* If you read last week’s post about vacationing in Ireland & want an update on how spending went along with the 300+ pictures I took, check it out.

This has been a guest post from Jessica. She is a Registered Dietitian and shares practical, useful tips on food, fitness, and finance. Be sure to subscribe to her blog, Budget For Health.

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AUTHOR Derek

My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.

21 Comments

  1. Cable recently made the list for me as well. It’s included in our current rent, but we really don’t watch much TV anymore that we can’t get online if we tried.

    • So much is available online that we really don’t need it. Were you able to get a discount on your rent since you canceled the cable?

  2. cable, coffee, water, ANY kind of drink when I eat out, full price for clothes of any kind

    • I’m with you on clothes. I hate buying dresses because I don’t wear them enough but I recently bought 2 dresses for weddings from Plato’s closet (resale store) for $20! My kind of deal 😉

  3. I refuse to pay stupid fees like bank fees and cell phone upgrade fees. I get them waived or will switch providers to someone who doesn’t nickel and dime me.

    • Right! I’d put credit card interest under that category as well. I treat my card like a debit and pay it in full every month. Even my student loan interest bugged me which is why we paid it off so quickly!

  4. I refuse to spend money on services that I can do myself. We’ve made some exceptions here & there (painting our condo was one…too big a job and too much of a time suck for us to do it ourselves), but we do as much as we can on our own. We replaced our bathroom vanity/sink/cabinet, and I’ve fixed our dryer twice and plan to do it again soon (interior light burned out & the door latch is getting funky). Next on my list will be our dishwasher – one of the top shelf/drawer rollers is kaput and there’s only so many more times I can fenagle it back into place!
    I also hate spending money in coffee shops, although I’ve yet to convince my husband to share this same hatred! 🙁

  5. I’ve learned that YouTube is a great resource for learning how to do things yourself! Good luck with that dishwasher. I avoid coffee shops as well unless I have a gift card.

    • Thanks, Jessica!

  6. Credit card interest or fees. Dry Cleaning. Baggage fees on airlines. Toothpaste. I wait until I have a $1 coupon and it is on sale for $1. I couldn’t do without the dishwasher. I was the dishwasher before we had one and it really got old!

    • Good call on baggage fees. We had to disperse a few items into everyone’s bags when I was in Ireland because my sister-in-law’s bag was 60 pounds (only 10 over the limit but a whopping $200 fine)

  7. I used to spend a ton on haircuts. Now my younger brother is a barber and I get free haircuts on a weekly basis!

    I refuse to spend money on being ripped off! I don’t want any crap. I prefer to travel and enjoy myself with friends.

  8. Gym fees- I workout in my living room using dvds.
    Atm fees- I pull money out of my account at my own bank’s atm or by getting cash back at the register during a purchase
    Cable- I too have gotten to know my local library quite well
    Entrance fees to museums- Our local library runs a program where you can get admission for two for free by visiting the library and getting a slip from the librarian. It requires a little pre planning but saves tons of money
    Late fees- I make sure everything is paid up on time so I don’t end up hit with late fees
    Out of plan provider fees- I always make sure that I receive medical care from an in-plan provider covered by my insurance

  9. Gym fees are something I do splurge on. Hubs & I pay $75/month total on our gym memberships. I occasionally use DVDs but I just need someone to kick my butt and call me out if I’m slacking to make it worth my time, hence group fitness classes. Good call on ATM and out of plan provider fees.

  10. My husband works out in the living room with me so we motivate each other not to slack off. Also if I went to a gym I would miss those days when our cat decides to climb up on one of us while we’re trying to do push ups. Talk about getting called out to work harder, she’s a heavy cat! lol.

    I splurge on beverages. We brew our coffee at home, but I would not want to give that up! 🙂

  11. Good for you. We didn’t have cable for 4 years. It leads to more reading and spending time with friends and family. I say that’s insurance for a more fulfilling life. I didn’t miss it at all.

    • I agree, no cable does have the potential to lead to a more fulfilling lifestyle if that time is put to good use. After I graduated from college I lived for 2 years without even having a TV. After that I did eventually get a tv but I never did get cable. Aside from a year of living with a roommate who had cable, I haven’t lived with cable since moving out of my parent’s home well over a decade ago.

  12. It’s not exactly that I refuse to spend money on, but rather I have cut cost on Cable, internet and other stuff like booze and shopping.


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