{"id":313,"date":"2020-04-14T00:30:51","date_gmt":"2020-04-14T00:30:51","guid":{"rendered":"https:\/\/moneywithkatie.com\/money-the-least-creative-way-to-solve-a-problem\/"},"modified":"2025-09-05T19:54:15","modified_gmt":"2025-09-05T19:54:15","slug":"money-the-least-creative-way-to-solve-a-problem","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/money-the-least-creative-way-to-solve-a-problem\/","title":{"rendered":"Money, the Least Creative Way to Solve a Problem"},"content":{"rendered":"
\n

December 2018<\/h4>\n

Talking about money as a means to solving a problem<\/strong> was a mindset shift that made a big difference in the way I spent.<\/p>\n

This might feel a little basic or over-simple for something that\u2019s just math, after all\u2014but personal finance is just that. Personal. We buy things to fix real or perceived problems<\/strong>. When money is our go-to fixer for everything, it\u2019s easy to fall into a mindless trap of swiping, tapping, or inserting a chip to alleviate negative emotions the second they arise.<\/p>\n

Think about the last time you were bored out of your mind. What did you do? Was your solution to make up errands for yourself? Wander the aisles of Target? Invent a project that didn\u2019t really exist that ended up costing you $40? $60? I\u2019m WAY too familiar with this.<\/p>\n

It\u2019s because spending money is, in some ways, a time-filler. It\u2019s something to do.<\/p>\n

Isn\u2019t it amazing (and horrible) that we live in a world (or rather, the first world) where we have so much damn free time on our hands that our invented tasks<\/em> involve trying to think of things to buy?<\/p>\n

(Ever heard that old joke about how we work to afford the car that drives us to and from work and the house that we never spend any time in because we\u2019re\u2026at work? Kinda makes you reevaluate the value of your time and money.)<\/p>\n

Lately I\u2019ve been practicing ~creative solutions~ to things I otherwise would\u2019ve just run out and bought on the spot at the first excuse for a Target run.<\/strong><\/p>\n

\u201cBorrowed\u201d personal care stuff from the gym bathroom<\/h4>\n

Sam Cat has this really hilarious yet simultaneously concerning habit of stealing our razors from our showers. For real\u2014we\u2019ll come home and both of our razors are sitting in the middle of our family room floor. It\u2019s like he\u2019s trying to send us an ominous message.<\/p>\n

Anyway, he ruined my good razor and the last good blade. I was fresh out.<\/p>\n

I almost bought another set of razorheads (an annoying expense) until I was showering in the bathrooms at SoulCycle the next morning and noticed the giant vat of disposal razors free for the taking.<\/p>\n

Well, my friends, I go to Soul three times a week (complimentary thanks to studio reciprocity), so my cheap ass just uses a fresh disposable razor every time and takes it home with me. I use it for the next few days\/week and then replace it. Bada-bing! Creative (cheap!) solution!<\/p>\n

The same went for Q-Tips. I was fresh out around the same time and decided that I\u2019d just snag an extra couple from our studio restroom for a few weeks until I was at Kroger and could get the big pack for $1.29. Ordinarily, I would\u2019ve walked next door to CVS immediately and paid upwards of $3 for the convenience of the downtown location.<\/p>\n

Obviously, I\u2019m not delusional\u2014I\u2019m not saving hand over fist on things like this, but I think it perfectly illustrates that mindset shift<\/strong> from \u201cfix a problem with money immediately\u201d or look for a free, creative solution instead.<\/p>\n

Making household products go further<\/h4>\n

I went through this phase (can y\u2019all tell I\u2019m big on phases?) where I was SUPER paranoid about toxins and chemicals in my beauty and household products.<\/p>\n

(I\u2019m going to write a post soon about balancing frugality<\/strong> with buying quality products<\/strong> and why I think sometimes the money you save on the dirt-cheap product isn\u2019t worth the environmental or health impact.)<\/p>\n

So I spent around $5 on a bottle of Jessica Alba\u2019s HONEST Company multisurface spray. It smells like lavender and makes me feel fancy, you know? But it\u2019s expensive, and I clean A LOT, so I was running low.<\/p>\n

The ~Old KG~, before my reformed materialist days, would literally GET EXCITED for products to run out so she could run out and buy a new one\u2014try a new scent, give a new brand a spin\u2014it was always fun. You know when something is almost out (but not totally) but you\u2019re antsy to replace it so you just chuck it in the trash and go ham at Target? That\u2019s the struggle.<\/p>\n

But now that I\u2019ve trained myself to HATE spending money, I decided to make a simple yet frugal decision\u2014add about a cup of water to the solution and make it last longer. I was concerned it might dilute it too much, but I honestly can\u2019t tell a difference.<\/p>\n

Prolonging the life of your household cleaning products to save money is MAYBE the most adult thing you could possibly do, besides your taxes.<\/p>\n<\/div>\n

\n

Fixing what I already have instead of taking every opportunity to buy new<\/h4>\n<\/div>\n
\n

I\u2019m pretty clumsy with my stuff. I\u2019ve shattered countless glasses and mugs, especially when I reach that caffeine high PINNACLE state of existence early in the morning where I\u2019m teetering the line between effectively energized and at risk of a heart attack.<\/p>\n

I was walking at work with my laptop in one arm and my Starbucks travel coffee mug (with my FREE APARTMENT COFFEE, holla) dangling from the other, and I banged it into a wall.<\/p>\n

The beautiful, painted ceramic outer layer of the cup shattered to the floor, but to my surprise, the inner component\u2014the cup itself\u2014stayed together. The lip of the cup still had about an inch of ceramic covering attached, enough to hold and drink from.<\/p>\n

Have you picked up on the narrative theme of this post yet? OLD KG would\u2019ve gone to Starbucks on her lunch break and bought a replacement\u2014because that\u2019s just what you do when you have money to buy new shit. You buy. New. Shit.<\/p>\n

Nope, got creative. Slid a koozie (roll tide) on the ceramic inner piece to keep it insulated, and continued using the travel mug. <\/p>\n

Coincidentally, the very next week, our onboard coffee partner Community Coffee dropped off hundreds of free “Southwest & Community Coffee” tumblers, free for the taking. I’ve noted this before, but it’s amazing what happens when you just…wait…and don’t RUSH OUT immediately to buy a solution to the problem right in front of you.<\/p>\n

Same goes for my riding boots from high school. I received them as a gift and wore them so much in college that the heels wore off down to where they screw into the rest of the boot. I wanted to just drop a few hundred dollars on nice, new riding boots, but found out there are these novel things called COBBLERS (welcome to 1732!) who can re-sole and fix up your boots for, like, $20 so they\u2019re practically new again.<\/p>\n

Cooking for friends instead of enabling expensive brunches<\/h4>\n

Fresh off an especially intoxicating Saturday morning SoulCycle high (thank you, Valentina), I was under the spinfluence and remembered my friends had talked about getting brunch the night before.<\/p>\n

My friends aren\u2019t high rollers, but I knew I probably wouldn\u2019t be able to get out of brunch for less than $20 at just about anywhere in Dallas.<\/p>\n

So on my way home, I stopped at Kroger and bought half a dozen donuts, bagels, eggs, bacon, English muffins, two bottles of champagne, and a jug of orange juice. $40.<\/p>\n

I sent a picture to our group text and invited everyone over. Because my friends are great, they offered to Venmo me for some of it, but I honestly just enjoyed knowing that I was getting a TON OF VALUE for my $40 instead of a small plate of food for $20.<\/p>\n

I still have lots left over for breakfast for the rest of the week, too, and we had a blast sitting around in our pajamas instead of jockeying around with valet and parking, getting dressed and presentable, and the other annoying accoutrement that accompany a brunch out on a Saturday morning.<\/p>\n

The main takeaway<\/h4>\n

It\u2019s about making the money that you work hard for, work harder for you<\/strong>\u2014so when you get your credit card statement at the end of the month, you\u2019re not like, \u201cShit, I have nothing to show for this huge balance.\u201d<\/p>\n

It\u2019s not all sunshine and savings, though\u2014I also spent $50 on a haircut this week.<\/p>\n

You can see how it may seem contradictory if I\u2019m scrimping in some areas yet spending somewhat frivolously in others. But that\u2019s the point\u2014you\u2019re making conscious decisions<\/strong> about what\u2019s worth it, and where you can find alternatives<\/strong>.<\/p>\n

And while I did ask Thomas to cut my hair for me to save that money, I\u2019m not sure I\u2019m at the point where I\u2019m ready to sacrifice my ends for frugality\u2019s sake. Maybe someday. <\/p>\n

 <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

December 2018 Talking about money as a means to solving a problem was a mindset shift that made a big difference in the way I spent. This might feel a little basic or over-simple for something that\u2019s just math, after all\u2014but personal finance is just that. Personal. We buy things to fix real or perceived problems. When money […]<\/p>\n","protected":false},"author":178814,"featured_media":2438,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-everyday-spending-and-budgeting.php","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[45],"class_list":["post-313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spending-and-saving","tag-everyday-spending-and-budgeting"],"yoast_head":"\nMoney, the Least Creative Way to Solve a Problem - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/money-the-least-creative-way-to-solve-a-problem\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Money, the Least Creative Way to Solve a Problem - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"December 2018 Talking about money as a means to solving a problem was a mindset shift that made a big difference in the way I spent. 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