What do you spend your money on besides food, clothing, shelter, utilities, tithing (if you belong to a congregation of faith), and other necessary personal or household items?
We each have our own ideals and principles for what we cannot, and should not, do without. For many it’s an education to make life better and to do something they love. For some it is travel, a substantial savings, a business, dance or music lessons, or sports for their kids, a homestead, or serious hobby… whatever it is, only you can determine the importance of it in your life and no one else should attempt to do so.
But aside from those things, What else are you sinking your hard-earned cash into? I can think of too many things I spend more than I should on, and I even consider myself to be quite frugal compared to most. I don’t need to have the latest or greatest of anything, and I like what I own to do double duty if possible. I don’t consider myself fashionable. I like sporty or classic styles, I don’t get manicures, or pay for expensive hair styles, treatments or coloring, and I genuinely enjoy the hunt of shopping second hand.
My home is not fancy, in fact it really is pretty simple, despite the fact that there is still much to declutter.
So, I have to ask myself, where does my money go and how does my house keep filling up?
I don’t like to think about spending, saving, or money in general. I definitely don’t really want to write about it. But this I know, my home will never be decluttered without addressing it. Why? Because there are always purchases that can be avoided if I make myself fully aware of my spending habits. So what do I spend on that I could focus on changing? Various things – from the occasional iced mocha, impulse purchases when I’ve had a rough week and feel that I “deserve it,” to fast food in a pinch (too often, I’m afraid), and fun treats from online shopping.
Most of the time I really do have a plan for my purchases, however, and I get better at spending less every day. Especially when all that I have given to charity, recycled, shared with a friend, or thrown into the trash is fresh on my mind! Not to mention the things I’ve unearthed that I’d forgotten I had or just couldn’t find.
Throughout my life I have learned to get by, and be content with, whatever financial season I find myself in. Money truly is not everything.
Actually shopping, for me, is often like decluttering. (Say again?) Yes. Like decluttering. I look at an object and I subconsciously ask myself similar questions as I do when I am purging my closet, garage, or any room in my house. Do I really need this? Will it bring me closer to my goal? Do I have another one like it, or something that can be used in its place? How often would I actually use it? Can I borrow one instead?
And one final thought… I find that with most things, planning ahead is paramount. If I know what I am going into a store for, and stick with just those items, I will save money. If I know I need something and I plan to borrow, I save money. And if I ask myself key questions when I find that I am contemplating a purchase, I will ultimately save money as well.
So, S – Spend Less.
1. What do you spend your money on?
2. What are your spending priorities?
3. What are some unnecessary purchases you know you could cut out?
4. Do you ask yourself questions, not only when you purge, but when you purchase?
5. How can you plan ahead so you don’t splurge?
“I know how to live on almost nothing or with everything. I have learned the secret of living in every situation, whether it is with a full stomach or empty, with plenty or little.”
Philippians 4:12 NLT