I seem to have some spare cash lurking in my bank account. Since May last year when I changed from Job Seekers Allowance to State Pension, the balance has been steadily increasing. I haven't made a conscious effort to save, so this happy state of affairs could be down to the fact that my frugal life style is so normal and routine that I hardly notice the pennies mounting up. And of course we all know that a few pennies saved every day add up to a few pounds eventually.
Take shopping for instance, it's normal for me to go to town, buy what I went for, and come home. Sometimes I wander into one or two other shops, just out of curiosity more than anything, but I always come out with nothing because I feel sick at the sight of all that stuff bulging from the shelves that is neither use nor ornament to anyone with a sense of value.
It's also normal for me to sit in my house, with no heating on, wearing more clothes than I would outdoors. My utility bills are normally an average of £75 a quarter combined gas and electricity. If you look down the list of money saving tips on the right hand side, I practice just about all of them. I think nothing of it, it's normal to me.
So what am I going to do with this accumulation of cash? The interest rate is so low at the moment, if I save it I wouldn't be gaining very much. I suppose I could pay a lump sum to the Building Society to shrink my already small mortgage, but as I am paying very little interest it hardly seems worth the bother.
I have never in my whole life had any long term savings, a secret stash somewhere put away for a rainy day. As long as I have a small emergency fund should any unforseen disaster strike my home, me, the car, or my cats, that's as far ahead as I plan for.
So it seems the best thing I can do is spend my spare cash, after all I can't take it with me. So now I must find something I need, because if I spend it on something frivolous that would be wasteful. So how can I spend money and be frugal at the same time? I don't know!
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