Tag: Cash

150 is a Magic Number and Cash is King

MOST of us have very little expendable cash. We get by every month paying the bills like a good American, with very little left over, if any. How people afford lavish vacations seriously boggles me. I’ve always been under the impression that budgets are great, yet realistically they can be super difficult to stick by. I’ve learned that in every relationship there is usually a spender and a saver. I bet you can guess which one I am.

When it comes to furnishing your home, for most it falls near the bottom of the priority list OR it just seems to expensive. I have a solution for you. I know it works, because I’ve tried it, and I am currently doing it.

My husband asked me, how much is a reasonable amount for home furnishings per month? Knowing that we are a modest one income family, I said my magic number is $150. Now, this is what is doable for us (everyone is different). He actually smiled and was happy I didn’t go too overboard. My thoughts…You mean I get $150 a month to spend on home furnishings without you questioning???!!! Sweet!!! So this is what we have been doing, and it works well for us so far. I have been wanting to update my master bedding for a while now, so here is the progress:

Month 1:  3 new Euros from Anthropologie.  It just so happened to be my birthday month and they give a discount on your birthday month, so that is why I bought these first. But for you, they are now on sale, so yippee! They are a beautiful, crisp white, in person.

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Month 2:  Organic Blanket from West Elm.  I mentioned how much I love it in this post. I got the white as well (much needed after 10 years with cream colored bedding).

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West Elm White Blanket


Month 3: Belgian Linen Duvet Cover. Because I had a little left over from the previous month, I saved it for this bigger purchase and of course, as always, bought it during a sale. I went for the color “platinum”. Contrasts with the white well and looks worn-in comfy, yet luxurious, triple folded at the end of my bed. If I was more daring I would get the blush color.

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Month 4:  I had to take a break from the master bedroom. I re-stuffed my 2 back couch cushions. This was not a fun purchase, but definitely needed. I have a cool story about this….why I called this post “Cash is King”.

About 5 years ago Phillip and I took the Financial Peace University course and learned so much. I’ll go into more detail about that in another post. One of the classes taught us the Power of Cash, so I decided to use that power.  I was nervous that when I took my couch cushions in to be re-stuffed that it would exceed my $150 limit. So I decided to go to the bank and withdraw $150 in cash and walk in the upholsterers with confidence. I have used a very trustworthy upholsterer that is very reasonable several times. As I was watching him measure my cushions and plinking in some numbers on his calculator he said each cushion would be $85. I also knew that did NOT include tax. So that would be $170 +$15ish for tax. That’s $185, or in my current calculation, $35 too much. So I pulled out of my wallet $150 Cash and placed it on the table. I said with pure confidence, How about $150 Cash? Without even hesitating he said YES, counted the cash, rolled it up and put it in his pocket. I smiled and said great, but, give me a receipt saying “Paid” on it. I was out of there in less than 5 minutes with a paid receipt and smile on my face. He was so nice to me, had my cushions done in 4 days, and kept asking me to come back. Don’t worry, I will. Cash is King. Try it.

Month 5:  This is the month I am currently in. Since I have all the bedding basics, it’s time for the statement pillow(s).

Here is my current, lucious, comfy, white, relaxed, bedding (the picture doesn’t do it justice)…

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Here is what I’m currently trying to decide for the statement pillow(s)…

A// Group of Danielle Oakey Pillows

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B// Group of Studio McGee Pillows

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C// One Large Lumbar Pillow- Keeping it Simple with a big splashy art piece above the bed
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What do you think?  A, B or C?

So…did this post help you? Are you going to figure out your current Magic Number? I’m just glad I came up with one to start the ball rolling. It requires a little patience, because we want it NOW. I remember watching my design crush, Nate Berkus, teach a lady on how to transform her master bedroom for $35 a month over 8 months. It’s totally doable. You can do it.