7 Advantages Introverts Have When it Comes to Money
Author: Anna Newell Jones

7 advantages introverts have when it comes to money andthenwesaved.com

Most people fall into either the introvert or extrovert personality. If you’re not familiar with what these terms mean, I’ll explain them a bit. Introverts tend to be purposefully reserved, and they feel recharged after alone time. Extroverts however, tend to be thought of as being vocal and outgoing, and they feel energized by interacting with people. (Just today I heard about Ambiverts! These are people who have an equal mix of both the introvert and extrovert traits.) If you’re not sure which personality type you are go take this Extroversion Introversion Quiz, and come right back.

The topic of introverts and extroverts has been super fascinating to me for quite a while because when I was a kid I was constantly getting told I was quiet or shy, and it drove me nuts! I always took it as an insult, and vowed I would never call my kid shy when I grew up because it was a label I hated having put on me. Particularly, because I didn’t see myself as shy. Reserved and cautious around strangers, sure. Careful about my words and actions around strangers, yes, definitely. Quiet? I could see that. Shy though? Nah. I was choosing not to talk. And when I wanted to talk, I did.

As a kid I wasn’t sure to make of all this “shy” business. When I was around 11 or so, we were in a used bookstore, and I came across a book that was called something like, “Overcoming Shyness”, or something to that effect. I convinced my mom to buy the book for me, and then I read it ASAP so I could try to find the solution to my “problem”. (Oh… :’( didn’t mean for that to sound so sad! I want to go back and give my young self a hug.) I even wrote a letter to Dear Abby, and I asked her for advice on how to not be shy anymore. I don’t remember what she said exactly but I do remember feeling very hopeful when she wrote me back.

After all my research, and attempts to “fix” myself, and turn myself into an extrovert, I found, over time, that I just had to get more comfortable with who I was. I had to start doing things that I was proud of. Playing sports, taking photographs, and doing good things for other people. Slowly but surely, I gained confidence, and my anxiety around people lessened. I realized that being reserved isn’t a “bad” thing at all, that alone time is a necessity for me, and now, sometimes, you can’t get me to shut up once I get talking.;)

Not surprisingly, your ability to manage money may be directly related to your natural-born personality, and your personality traits may directly influence your knack –or lack thereof – of managing money.

 

Here are 7 Advantages that Introverts May Have When it Comes to Money (and we’ll talk about the advantages extroverts have in an upcoming post!)…

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6 comments

in Personal, Social, Societal Pressures
Get Yourself a Free Thanksgiving Turkey! Here’s How (CLOSED)
Author: Anna Newell Jones

get yourself a free turkey! - here's how andthenwesaved.com

On Thanksgiving day, I won’t be partaking in the turkey eating because I’m a Vegetarian/Pepperotarian (a Pepperotarian is someone who avoids all meats except for pepperoni on pizza. The Pepperotarian is a not so distant cousin of the Baconotarian. Basically, I’m a super shitty Vegetarian), but for the large majority of people, a Thanksgiving turkey is the centerpiece the holiday dinner. Turkeys are typically sold by the pound so if you have a big family to feed, the turkey cost can be on the high side. For people who are in dire financial straits, there are ways to get access to a free turkey and other meal staples through local food banks and churches. For people who want to be frugal, there are other ways to score a free turkey without taking anything away from those who are financially disadvantaged.

 

Here are 5 ways to get your Thanksgiving turkey for free…

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4 comments

in How To, Seasonal
9 Gifts for Guys That are All Under $22 Bucks
Author: Anna Newell Jones

gifts for guys under 22 dollars andthenwesaved.com

When the holidays roll around I always have a mix of things going through my head. Mostly, it’s guilt-tinged thoughts of, “I really should make all the gifts to save money but… I just don’t, realistically, have enough time.” And the relief-filled thoughts of, “It would be easy to find some reasonably priced gifts.” So, usually, I end up doing a mix of both DIY gifts and store-bought items. Balance is a thing, right?

When Kohl’s asked me to come up with a few items that Aaron would like as gifts I immediately thought about how he wears dark wash, slim fit, Levi’s every single day but won’t by them at the Levi’s store because they’re at least 100% more expensive there then they are at Kohl’s. Anyway! That has nothing to do with this post.

I rounded up a few items that Aaron would really like, and the price of each item is under $22 because I’m cheap like that.

Aaron’s Gift List: 1/2/3/4/5/6/7/8/9

 

P.S. Isn’t Michonne the biggest badass ever on Walking Dead? I want to be her when I grow up. (Just a heads-up that link is to a fairly graphic zombie killing scene. If you’re not into that type of thing you might not want to watch it.)

In compliance with FTC guidelines, I’m disclosing that this is a sponsored post. However, the opinions are my own, as always. Thank you for supporting the brands that help to make this site possible! – Anna

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in Sponsored
“I Decided I’m Going on a Spending Fast for One Year. Today is Day 1.”
Author: Kelly Newell

kelly newell scout dry goods omaha

Earlier in the month I got a text from my sister, Kelly, and it said, “I decided I’m going on a Spending Fast for one year. Today is Day 1.” Internally, I completely freaked out. But, I tried to keep it contained so I didn’t seem too excited (for the fear of scaring her off with my over-the-top enthusiasm). I replied with a simple and contained, “Whoa. Cool!” All of my family and friends have been hearing about the Spending Fast for a grip now, and I’ve never pushed it on anyone. My thinking is that they know I’ve gotten out of debt, they know how I did it, and if they want to ask me any questions or have me give them any support through a getting out of debt mission (Spending Fast or not) that I am totally there for them. You can’t force anyone to do anything because that’s just obnoxious, and it doesn’t work anyway so I don’t do it. Plus, the Spending Fast is hard, and it can really, really suck at times so you’ve got to be ready to deal with that if you’re going to take on a Spending Fast. (While it’s insanely effective, it’s not magic; hard work and sacrifice is required so, sometimes, other methods should be tried 1st.) All that to say that I am soooooooo, sooooo excited (I’m not gonna hold back now), and proud of my sister for making the decision to change her life by doing a Spending Fast. I’ve seen how powerful it can be in my life and in other people’s lives so I’m excited to see how it will end up changing someone’s life that I’m so close to. Plus, it’ll be interesting to be on the other side of a Spending Fast… 

 

Hi, I’m Kelly, Anna’s identical twin sister. My stats: 35 years old, business owner, recently divorced, 3 kids under 10, boyfriend, no pets. I’m currently embarrassed by how much debt I have so I’m not going to say the full number yet. I’ve been thinking about doing the Spending Fast for years, and now it’s finally time to do it. I’ve got credit card debt, lawyer debt, student loan debt (owed to a financial institution and to my parents), a car loan and another debt. I’ve seen Anna’s success with getting out of debt and with how quick she’s was able to do it, and I want to be debt free too.

I started the Spending Fast officially on November 5, 2014.

My biggest trouble areas are eating out and unfocused spending at places like Target.

Like Anna, after I decided to do the Spending Fast I felt instant relief, and then, about an hour after that I got notified that a tax return appeal that I was hoping for did indeed come through so I put that money directly on my number 1 priority bill: my personal credit card. I also redeemed awards from my bank for cash ($150), and put that money towards my credit card debt, as well. 3 days into the Spending Fast, and my personal credit card was completely paid off! $6,884.21 saved! Had I not decided to do the Spending Fast I would’ve spent that tax return money on random stuff, like usual, and my debt would still be there.

 

Other things I’ve done this first week to save money…

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19 comments

in Kids, Paying Off Debt, Spending Fast, Spending Fasters, Student Loans
Introducing a New Spending Faster!
Author: Jenn Davis

Jenn Davis Spending Fast andthenwesaved.com

The #1 thing that you all told me you wanted more of on the reader survey were stories from people who are in the process of doing a Spending Fast so, you guessed it… your wish is my command! I added a new category called Spending Fasters so you can find all the Spending Fast (and Spending Diet!) stories in one place!

And, with that, I would like to introduce, Jennifer, who will be sharing her Spending Fast story with you as she goes. The ups, downs, struggles, successes… all of it. I hope you enjoy following along, and that you find motivation and encouragement in these posts to see that getting out of debt crazy fast is totally possible! And, maybe, you will find that you want to change your life and become a Spending Faster too! 

Also, while the site is primarily read by women I’d love to include a male Spending Faster’s experience through and out of debt. If you’re a dude and interested in sharing your story send me an email: hello@andthenwesaved.com – Anna 

Hi all! My name is Jennifer and I just turned the BIG 3-0 last month! If that’s not a birthday to make you think about where you’re at in life, I don’t know which is! I made the decision to take out a mortgage for a house almost a year ago, here in Florida. Currently, I have a roommate and three dogs living with me. I make a living as a Production Artist at a publication company.

My total debt is 16,027.84 not including my mortgage. This what makes up my debt: I have $4,584.95 (started as 6,000) in credit card debt that I racked up in college by not living within my means. (I was paying my bills with a job I had but I was living off credit cards. It’s been following me around since 2010. I don’t even want to think about how much money I have wasted on interest!) I also have a car loan of 11,442.89.

My goals for the Spending Fast are to, first, save an emergency fund of $1,000 (this differs from what Anna did btw); pay off my credit cards and my car loan. The last few years I have gotten better with my spending habits, but it’s turned into a sort of yo-yo effect of doing good and then erasing the good by doing bad. The time has come to just get it done and I need your help to keep me held accountable throughout this process. With your help, the support of my friends and family, and a boyfriend who is on board, I can’t think of a better time to do the Spending Fast, than now. I want to not only pay off my debt but have a substantial nest egg for me to be able to have more freedom and time in my daily life to do something I really enjoy, whatever that may be.

You know the drill, so here is the breakdown…

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13 comments

in Paying Off Debt, Spending Fast, Spending Fasters, Take Action!
Declutter. Save Money. Do Good. Here’s How…
Author: Anna Newell Jones

declutter. save money. do good. andthenwesaved.com

I love how when the holidays roll around charity work gets highlighted, and everyone is a little more kind and giving.

So today, I’d like to introduce you to a new, online clothing store called 15each.co. Today just so happens to be their Grand Opening and they’re one of the most charitable companies I’ve come across. The site was created by Bryan Harmon. He’s an entrepreneur who’s motivated by giving back to the people. Harmon has an interesting and eclectic background. He’s a disabled vet who served in the Marines and then he transitioned into eCommerce because he saw a lot of opportunities for improvement.

15each.co provides jobs to veterans (veterans are very close to my heart since I came from a long-line of military), and college students. Currently, they’re donating $3 from each item that’s sold on the website to help the flood victims in Pensacola, Florida. (A major storm dropped several feet of water on the city, and caused some of the deadliest floods ever. The city was rocked with flooded homes, collapsed highways and submerged cars. See images of the flooding destruction here.)

Here’s how 15each.co works
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in Sponsored
Saving $1,400 a Month With a Spending Diet – An Update From Melanie
Author: Melanie Gnau

how to save 1,400 a month with a spending diet

Melanie is sharing her Spending Diet adventures with us, and she’s got her October update for us below. I’ve got to say, I am SO incredibly proud of her! I love that she’s chosen to change her life, and whoa. Just whoa. It’s so awesome how much she’s been able to save in such a short amount of time. This is what the Spending Fast and Spending Diet is all about. Getting the hell out of debt ASAP. – Anna

After the roller coaster of money emotions that was September, I was hoping for more stability in my savings for October. And the good news is that with my second job’s back pay, I was able to save $1,400 in October! So good, right? Well, yes and no. I managed to save $1,400 which is $400 over my savings goal, but I still went over my $100 Spending Diet limit. (Insert sad trombone.)

In some ways I’m super proud of myself. I saved $1,400 in one month. ONE MONTH! Let’s go ahead and get personal, that’s over half of my paycheck (after taxes and insurance is taken out). But I’m ever the perfectionist and as much as I try, try, try to stay positive, I always seem to be a glass half empty type of gal. Why didn’t I save more?!?!

Well, there’s a few reasons:

1. I managed to get some great deals on pants at the thrift store, but I have a wedding to attend and I didn’t feel that I had an appropriate dress to wear. Could I have borrowed something? Maybe. Could I have found something cheaper? Maybe. I did use a coupon and I felt like I got a good deal, but I still spent money that I didn’t allocate to spend.

When I added that dress to my online shopping cart, I also added a skirt and a top. I justified that I could wear them to work and it was “Buy two, get one free!” It was a moment of weakness.

2. I forgot my lunch a few days this month and I had to go to the grocery store at lunch to pick something up. That was kind of unavoidable, but the nitpicker inside of me wants to say “But you should have backup snacks in your desk at work for this situation!”

Nitpicker be damned! I’m proud that I’ve managed to save over my savings goal this month. I know this holiday season is going to be difficult though. My $100 Spending Diet includes gifts. I’m currently formulating a plan for holiday spending that includes coupons, starting my shopping early and handmaking what I can. And as always, I’m trying to stay positive.

 

How will you, my budget-friendly friends attack your holiday spending? I’d love to hear about it in the comments! -Melanie

7 comments

in Spending Fast, Spending Fasters
Let’s Talk About Layaway! (GIVEAWAY CLOSED)
Author: Anna Newell Jones

let's talk about layaway andthenwesaved.com

let's talk about layaway andthenwesaved.com

let's talk about layaway andthenwesaved.com

I’m teaming up with Kmart on some upcoming posts. This is a good match because I always find myself at Kmart if I need (of all things) inexpensive planters and potting soil. And, if I get a craving for my favorite childhood food, Little Cesar’s, I know can get some pizza pizza there.

Kmart is also a place that we used to go to ALL THE TIME when I was I kid. I distinctly remember being in line one time, and thinking about how I could be a millionaire when I grew up if only I could save every single penny from that moment on. That didn’t happen (obviously), and instead, I went ahead and bought my mini gumball machine with my birthday money. I even wrote a post about that experience a long time ago (here it is if you’re interested: Switching Over). Needless to say, I’ve got a whole bunch of Kmart memories. Another day I’ll have to tell you the story about the baby bird.

But today, I want to talk about a topic that I, surprisingly, have never covered on the blog before: Layaway.

So, when I started thinking about this topic I started asking everyone I know if they’ve ever used Layaway, and if so, what did they buy, and why did they use that method to make the purchase. Aaron told me that he bought his parents a ping-pong table for Christmas and used Layaway to buy it for them. That was 15 years ago and that thing is still going strong in my in-laws ice-cold basement.

On Facebook, a whole bunch of readers told me how they’ve used Layaway, and not surprisingly, it seems that it is primarily used to buy Christmas presents.

I know it feels a little early to start thinking about the holidays but I’ve found that the earlier I make my gift shopping list and get the “errands” part of the holidays taken care of the more I can actually enjoy what the holidays are all about: eating until you’re so stuffed you can’t move. Nah, seriously though, it’s about spending time with your loved ones, and I would much rather do that than be stressing out about what I’m going to get everyone.

Morale of the story: if you start early you can spread the cost of the holidays out and also avoid a ton of last-minute stress.

Alright, so let’s talk about details of Layaway in case you’re not familiar with how it works.

  • As mentioned above, you can spread the payments out over a period of time.
  • You can set aside purchases so you don’t have to worry about things being out of stock when everyone else starts their holiday shopping. (Frozen dolls anyone?)
  • If you miss a payment it won’t impact your credit score.
  • The 8 week contract at Kmart, has a service fee of only $5 which is awesome (They’re offering no-money down layaway until 11/15/15 as a special promo). Especially when you compare that to what it would cost to put the purchase on a credit card. (The average credit card APR from 13.02% to 15.59%. That’s completely outrageous.)
  • Since there is a little bit of a process involved with getting set up with Layaway you’ll be able to think through your purchases more and, hopefully, avoid impulse shopping.
  • You can take advantage of sales even if you normally wouldn’t be able to make the purchase when the sale is happening.
  • Kmart offers Layaway year-round so if there is a special occasion, like a wedding, or other big event you can plan ahead rather than taking a hit on your wallet all at once.
  • Oh! And now, you can even do layaway online so you don’t even have to leave your house if you don’t want to. (I reaaalllly like that.)

 

Enter to win 75 Bucks! -GIVEAWAY IS NOW CLOSED

So, get this… Kmart is giving away a $75 gift card to one reader to help you get a start on your holiday shopping! All you have to do is tweet about some of the items you’ve put on layaway. Be sure to use the hashtags: #KmartLayaway and #ATWS so your tweet can be found, and so you can be entered to win. The giveaway will end on Monday, November 10th at 6pm MST. Good luck!

 

This is a sponsored post, and I am a Kmart K-Club blogger. But, as always, my opinions are my own. Thank you for supporting the brands that help to make this site possible! xo, Anna

11 comments

in Sponsored
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

    ⭐︎Come back throughout the day for updates.

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