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How I’m Combating Inflation | Femme Frugality

As of writing, the newest inflation numbers put us at 7.1%.

That’s down from the pandemic peak of 9.1% in June of 2022.

Once I first began this weblog, we had been three-and-a-half years out from the preliminary begin of the Nice Recession.

Frugality was all the fashion. Quite a lot of the Millennial ‘influencers’ you see round obtained their begin writing about how on earth to scrimp by beneath the hostile circumstances of our youth.

I’m not thrilled that we’re right here once more. It was all the time inevitable that we might find yourself again right here ultimately, however the circumstances this time are fairly irritating.

How I’ve Been Combating Inflation

As inflation has risen, I’ve modified up the methods I do issues to attempt to assert energy over what may in a short time spiral into budgetary devastation.

So right here’s what I’ve been doing. I hope it conjures up you to pursue inventive methods to offer your self some wiggle room, too.


Went the Summer time with no AC in my automotive: $750

Proper in time for summer time, the AC went out in my automotive.

I hoped it will be a easy repair. However after taking it to the mechanic, I realized it wasn’t.

There have been cracks and canisters and labor — the worth of which had lately gone up because of rising inflation.

Going by with the repair would price me $750.

I made a decision to maintain that cash in my checking account as an alternative.

My hair resented me for it.

However I didn’t actually care.

IT WAS $750.


Took benefit of checking account bonuses: $700

I had a number of funds are available in from new shoppers this 12 months. Earlier than I obtained these preliminary ACH deposits, I researched checking account bonuses.

Good checking account bonuses are a number of to a number of hundred {dollars}. The necessities to earn the bonus have a tendency to return with:

  • ACH deposit necessities. Sometimes you’ll run into one that permits you to do transfers to qualify, but it surely’s not as widespread for checking accounts.
  • Debit card transaction necessities. Not all bonuses comes with these, however after they do, you’re often getting one thing like $2 for every debit card transaction.
  • Time necessities. Often these deposits or transactions need to occur inside 30, 60, or 90 days of opening the account.

I additionally did one financial savings account this manner. Even with Fed price hikes, I’m nonetheless prone to earn extra money by a excessive financial savings account signup bonus than I’m by curiosity — even with charges above 3%. I ended up getting the excessive charges and the bonus, in order that was a win.

This labored with the way in which I’ve my cash allotted. Yours could look completely different.


Lowered my web invoice: $360/12 months

I crammed out the tremendous straightforward software for the Inexpensive Connectivity Program and began saving $30/month on my web invoice.

Legit! It took lower than 48 hours to use — and that was over a weekend.

You may qualify for this program primarily based on revenue. And revenue limits are larger than it’s possible you’ll suppose.

However revenue is not the one approach to qualify. Try all of the methods you’ll be able to qualify to start out getting $30+ off your web invoice, too, with the Inexpensive Connectivity Program.

PRO TIP: On high of the ACP, be sure to’re negotiating your web invoice each time your contract renews. It’ll prevent much more cash.


Went by my on-line subscriptions with a fine-tooth comb: $360/12 months (to this point)

It’s tremendous essential to undergo your checking account and bank card statements each month for thus many causes.

A kind of causes is to be sure to’re cancelling any auto-renew subscriptions you’re not truly actively utilizing.

Quite a lot of occasions we neglect about these subscriptions whereas the corporate retains billing us within the background. However staying conscious of all of your expenses is a good way to remind your self the place you’ll be able to reduce bills.

This was particularly essential to me because the pandemic began. In 2020 and 2021, I had allowed myself to spend slightly bit extra on these subscriptions. In any case, we weren’t actually spending cash on leisure elsewhere.


Taken benefit of free Covid checks by insurance coverage: At the least $800

We nonetheless take COVID-19 significantly in our home, so we undergo a variety of checks. Particularly on these events the place we determine it’s secure to socialize with others.

We get our Covid checks free by insurance coverage. I do not know if or for the way lengthy this may proceed. However for now, you’ll be able to rise up to eight checks monthly free of charge by non-public insurance coverage, and a couple of by Medicaid.


Booked Journey on Factors: $1,000+

2022 was the primary time I had traveled since earlier than the pandemic. I had a variety of journey credit by varied packages. A few of them could possibly be renewed by making a purchase order I used to be going to in any case by the reward program’s buying portal.

Others had been expiring for varied causes. So I used them. On work journeys. On household journeys.

And so they saved me oodles of cash. I obtained excess of $1,000-worth of lodging for $0.


I’m virtually successful this battle in opposition to inflation.

If I take the numbers I used to be paying earlier than the pandemic and account for inflation, it prices about $4,250 extra to run my family on a bare-bones price range than it did again then.

The mathematics is imperfect right here. However that’s a really tough, most likely underestimate.

My inflation-fighting measures saved me a minimum of $4,000 final 12 months. Although there may be one journey I won’t have taken if I hadn’t had expiring journey factors readily available. So take that for what it’s value.

Total, I obtained fairly darn near neutralizing inflation in 2022.

However that doesn’t imply it doesn’t really feel like I’m getting KO’d by it each single day.


How are you combating inflation?

Let me know within the feedback! Or, be part of me within the dialogue on Instagram beneath #inflationchallenge.



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