I took my little peanut to the vet the other day.

Don’t worry — nothing was wrong with her. She was just due for her annual checkup, and a couple of vaccinations.

Each year, we budget for the expense of an annual checkup for both of our dogs. Some people choose to spread this expense out over multiple appointments throughout the year, to balance out the bills.

We prefer to save up and take care of everything at once, with one large vet bill.

But overall, it’s less stressful for the dogs to only go to the vet once per year, and get everything out of the way.

So as the receptionist presents me with this super-painful piece of paper itemizing each individual charge and service that is rendered, I get to thinking.

There are two ways one can logistically approach this, in order to save on vet bills:

1. Budget for the entire expense, knowing each year we will have to pay (at least) this amount for each dog.
2. Find ways to reduce expenses and/or supplement what is being paid for these services, to make it a little less agonizing for all involved.

I, for one, choose to engage both of these practices. Because I do want to prepare for the worst.

And more or less have to — since who has an extra $400 just sitting around, begging to be spent?

But I also want to mitigate the amount spent, and only pay what is absolutely necessary.*

10 Things You (and I) Can Do Instead of Shopping Online

During this time of year, everything is go, go, go, go —

A frenzied battle against the clock to prepare for the holidays, get through the holidays, recover from the holidays, and then hopefully get back to normal.

We rush to get through our regular workday so we can make it to a social gathering, or family event, or knock some items off the to-do list.

And at the end of the day, once we are finally able to sit down and relax on the couch, what do we do to wind down?

Maybe turn on the TV, catch up on the news, or the sports scores.

Or maybe listen to our favorite podcast or flash news briefing.

But a lot of the time we turn to the ‘net, and do some surfing.  And where does that typically lead us?

Amazon. eBay. QVC. LL Bean. Macy’s. And so many other online retailers that are just begging for our attention.

So now that I’m re-upping my focus on financial responsibility, I totally acknowledge the need to establish better money habits.

New hobbies that will add to my bounty, instead of subtracting from it. No longer spending just to spend, or justifying yet another unnecessary expense.

Because at the end of the day, what has online shopping really done for us?

For me personally, absolutely nothing but cause insecurities, regret, anxiety, and frustration.

So in no particular order, here are 10 things you can do instead of online shopping.

Thanksgiving Preparation

Thanksgiving has historically been one of my favorite holidays as an adult.

You sit around a big table with your family, giving thanks and reminiscing on years past.

There’s always an endless amount of food, you stuff yourself until you practically burst, and then you pass out in a turkey semi-coma.

And probably the best part — no gift giving is involved!

It’s all about family and food.

Although I’ll admit, the past few years have become a bit more stressful, as our house has become the center of the festivities.

“With central localization comes great responsibility” (Or something like that.)

When your house becomes the holiday home-base, there’s now a ton of extra stuff you need to do, above and beyond the norm:

• Clean the house
• Rinse off the “fancy” dinnerware and glassware
• Vacuum up dog hair, clean slobber off the windows (bulldog owners only?)
• Scrub toilets (ickkkk….)
• Tidy up the entire house (or at least the main level, where people will be congregating)
• Go food shopping — buying items you wouldn’t normally have on hand, like appetizers, snacks, and beverages based on everyone’s individual tastes
• Plan the menu, including the timing for what goes in the oven when
• Do all “the stuff” on the day-of, and try to actually eat something in the midst of all the chaos
• Not to mention all of the cleanup …