Week 4 – March 26th, 2018
I write a budget every month, and think of it as an arithmetic task. Something to keep my head busy but not my heart. If you are building a thriftier lifestyle, budgeting has got to be your foundation. But I have gradually come to understand that you do have to listen to your heart as well as your head when you plan how to spend your money.
The point of being thrifty is not just to make numbers add up. Ultimately it is about making your life better, about making you and yours happy. Avoiding debt, making sure you can afford to eat, building up savings just in case… These are all ways to make your life less miserable, more happy.
Trying to make yourself happier is always a good aim but is it one you think about when you are drawing up a budget? Personally, I think in terms of what I have to spend. I think about the boring stuff – utility bills, mortgage, car repairs… I treat them like they are foisted on me, not things I have actually chosen. But they are things we chose. And we chose them for a reason, even if it is lost in the mists of time. We chose them because we thought they would make us happier. When you draw up this month’s budget, try to think about how much happiness each item on it will bring you – and decide if that is good value or not, to you.
Free, Downloadable Thrifty Habits Planner To Keep You On Track
So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.
Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.
I will be back next week with a fresh Thrifty Habits Planner, instructions to make deliciously fragrant luxury candles and a recipe for Apple And Custard Cake. See you then!