Give Me Back My Five Bucks

Currently browsing: spending

Would you tip your Starbucks barista?

FullSizeRenderAfter working late last night, I went to Starbucks this morning for a pick-me-up latte. I ordered my regular drink, paid with my Starbucks app, and waited patiently for my drink to be made. It was then I looked down at my app and saw that a little window had popped up on my screen, asking if I wanted to leave a tip. Whaaaat? This is new.

Now, I don’t mind if Starbucks asks if I want to leave a tip. But I also wish they were clear on what the tip is for. Is this tip going to the actual person who made my latte? Is it going to the store (and then spread out among employees)? Or is it going to Starbucks in general? Because that answer will make a huge difference in determining whether I tip or not.

Related: Should tipping in restaurants be banned?

And, I actually find it a bit offensive that the only options for tipping allowed are $0.50, $1.00, or $2.00. What if I want to tip less than $0.50? And who is going to tip $2 on a $4 drink!? Come on, Starbucks.

You’re also able to add a tip amount into the app up to 2 hours after the transaction took place. I find this interesting, because is anyone really going to remember the latte they drank 2 hours ago, and think “I’d better get on my phone and send them a tip.” I think, no. But maybe I’m wrong!

Related: How much do you tip?

 What do you think of the new Starbucks tipping feature? 

A case of FOMO

Have you ever been on a diet and had a planned cheat meal? And then that cheat meal turned into a cheat day? And that cheat day turned into a cheat week? And all of a sudden, you’ve gained 5 pounds? Yeah. It can be super easy to fall off the dieting wagon. And it can be just as easy to fall off the budgeting wagon too. It’s happened to me many times before, and it has happened to me again. Thankfully I caught it in time before it could do any real serious damage, but …

… I’ve been hit with a case of FOMO.

fomo

It all started off innocently with a tweet about the upcoming Vancouver Interational Film Festival (VIFF). Last year I went to 4 shows, and loved every one of them. So I went onto the website, and found two films I really wanted to see. After briefly discussing the best times with BF and finding a coupon code online for $3 off per ticket, I booked the shows.

Related: Why I dislike the term #YOLO

A few days later, we decided to have a date night on Granville Island – beer at the brewery, and a comedy show at TheatreSports. When buying our tickets to TheatreSports (with a 2-for-1 Entertainment Book coupon), I saw that Colin Mochrie was set to perform in the beginning of October. We both got a little bit excited, and decided that we had to go to that show. $86 (!) later, we had tickets.

It was only then that I realized we have tickets to the BC Lions game this weekend (although those were free), a Ryan Adams concert (already paid for) in the beginning of October, and my sister is taking us to a Canucks game AND a Giants game for my birthday. There’s also a a concert I really want to see at the end of October. I’ve missed the last 2 or 3 times he’s come to Vancouver, and I’d hate to miss out again. Plus, I kind of want to get away over the November extended long weekend. And also maybe over New Years. But my bank account has been shouting at me, and thankfully I’ve decided to listen. No more in 2014! No more concerts, expensive events, and definitely no iPhone 6 (even though I really, really want it). :)

This little breakdown in spending has cost me $110 in the past two days.

A few years ago, I would have gotten pretty upset with myself for this kind of spending. And sure, I’ve already blown this month’s Entertainment budget. But there are so many areas in my life that I’ve cut back on, in order to spend money on experiences instead of stuff. And if I’m continuing to save for retirement, and my spending doesn’t get completely out of control, I’m okay with it. As long as it doesn’t happen too often. But I think this little break in spending will be a good one for me. :)

When’s the last time you experienced FOMO?

Spending money on clothes

IMG_2761One of my goals for the year was to spend less than $1,000 on clothing. This may seem like a lot of money, but when you consider the need to replace shoes (specifically athletic shoes), that doesn’t leave me with a lot left over for the rest of the year!

Of course I’d love to spend my money on cute dresses from Anthropologie, or great work clothes from J.Crew or Banana Republic… but filling my closet with stuff doesn’t get me to my financial goals any faster. And while I do think I need to refresh my wardrobe somewhat this year, I don’t think I need much. My work wardrobe is definitely lacking some staples – namely pants. I don’t own any that fit. I’ve been getting by with skirts/dresses, black jeans, and dark blue jeans (which I technically shouldn’t be wearing) … but actual dress pants? Not one single pair. And worst of all, the suit that I bought early last year? It doesn’t fit anymore. So I’m going to have to significantly alter the pants and suit that I currently own (and hope I don’t gain any weight), or buy new ones.

Anyway, half way through the year, I’ve spent a total of $250.18 on clothes:

  1. $100.80 – new bathing suit (June)
  2. $111.16 – clothes from Value Village & new jeans (April)
  3. $38.22 – nylons (March)

Not bad. I actually thought it would be more than that! But I know big expenses are coming up. I want to buy new field hockey turf boots for the upcoming season ($125). I’ve had mine for at least 5 or 6 seasons now, and they’re not holding up very well. I might need a new pair of running shoes this fall ($150), as well as work shoes ($100). I wear the same pair of work shoes almost single day, and after 2 years, they’re looking a bit rough. But because I know the size, style, and brand of the shoes that I wear, I’ll try to buy them all online in order to save some extra money. Still. For someone that only owns about 8 pairs of shoes, that’s quite a lot of money to be shelling out this year. :)

This time last year, I had already spent $1,226 on clothes, which represented 14% of my discretionary spending, or 3.5% of my gross annual income (mid-way through 2013). Yikes. So the $250.18 I’ve spent this year is a significant improvement for sure!

Do you give yourself a budget for clothing/shoes?

Page 3 of 158«12345»102030...Last »

Buy the Book!

A beginner's guide for Canadians looking to get their financial life in order. Get great info on budgeting and saving, RRSP's and pensions, investing types, insurance, and where to go for additional resources.

Recent Tweets

Instagram

  • Rode our bikes over to Campbell Bay today for somehellip
  • Good morning! mayneisland
  • Finally got to check Mt Harvey off the list! hellip
  • Took an hour yesterday to meal prep Seemed annoying athellip
  • Celebrated our two year anniversary today with a bike ridehellip
  • No big deal just met bluejays legend Fred McGriff athellip
  • Home for the next 3 nights secretcampingspot
  • Sushi date night! The rolls never turn out to behellip

© 2017. Give Me Back My Five Bucks. All rights reserved. Powered by WordPress & Designed by Mike Smith