August 29

How To Stop Being A Payday Millionaire

What is a Payday Millionaire?

A millionaire doesn’t worry about whether or not she can afford to eat in that restaurant. She’s hungry, she likes this place so in she goes. When she sees a dress she likes she does not turn over the price tag and wince. She probably doesn’t turn over the price tag at all. She just buys three – one to keep at home and one to keep at each of her holiday houses.

A payday millionaire also spends without thinking about it – but only when she has just got paid. After a few days of joyful splurging, she reigns it in sharply and lives like a pauper for the rest of the month. Mainly because a few days as a pretend millionaire have left her with barely enough to get by…

Does this sound like you? It certainly sounds like me.

Why Does Payday Bring Out Our Inner Kardashians?

I can’t tell you why your spending goes stratospheric when you get paid but I have been doing a lot of thinking recently about why mine does. I think it comes down to five things.

  1. I want to play. I have been very grown-up and sensible and responsible with money for several weeks but now my inner child would like to come out to play. She wants to just run about without fear of consequences. She lives in the moment and at this precise moment she has plenty money!
  2. I want to reward myself. I have kept our finances afloat for another month and now I want some recognition for that. I deserve some recognition for that. So, emboldened by the reassuring number of pounds in my paycheck, off I go to treat myself.
  3. I want to relax. I feel like I have been in a permanent state of financial emergency for weeks and now that it’s over I just want to completely relax my guard and not have to think – carefully – about every spending decision. Actually, I don’t want to have to think at all about any spending decisions  – so I just don’t.
  4. I want to feel secure. More than anything, I want to feel like I have enough – more than enough, in fact. I want to feel like I am definitely not just one bad spending decision away from financial disaster. I want to feel that I can spend carelessly without any harm. I want to feel that it is safe, at last, for me to take my eye of our bottom line. And, for a few days, relaxing my guard does make me feel that way. It’s a good feeling. And then it’s not.
  5. I want to make things happen right now. The last few weeks I have been stopping things from happening. Expensive things. It feels pretty negative after a while. Now I want to inject fresh life into my wardrobe, or set up a little holiday or get Tiny Tartan a new bike, or organise a girls’ night out… I want to make things happen. I want to be the driving force. I don’t want to be the brakes. And spending on things I have held back from makes me feel like I am in the driving seat. Somewhere inside I know I am about to turn off the money again – but that makes the need to use money to make changes all the more urgent.

 

How do you fix it? I don’t know yet, but I suspect that recognising the need my payday splurges serve is the key. Because it is all about emotional need. Things we actually need in the real world (new tyres, a new work outfit, etc) go in the monthly budget. No, the splurging is about meeting my own internal needs. They are valid needs but splurging is not a sustainable way of dealing with them.  So my challenge for the next few months is to try to find other, non-spendy ways to meet those same needs.

At this point, I would love to give you a list of ways to stop being a payday millionaire. Hell, I’d love to give me that list. What I have at the moment is some vague ideas, slowly forming in my head, that I will refine and try out over the next few months. And then I will get back to you and tell you what worked for me – maybe it will work for you t00. What about you? If you have any ideas, please add them as a comment.

 

August 20

Thrifty Things To Do This Week – Get Kids’s Shoes For Less

Week 4 – August 20th, 2018

It’s the fourth week of a five week month – if you have the time, Take Stock and Tackle One Big Spend

It’s that special time of year when I need to start the annual battle to kit out the kids’ feet without kissing goodbye to a small fortune. Joy. This has been a Big Spend for us for long enough, though, that I have developed some ways of tackling it. You can read everything I have learned about Cutting The Cost Of Kids’ Shoes – written a few years back – and then you can pause and smile wryly at my naive assumption that this was all there is to keeping shoe-shopping to a sensible budget…

I thought I had it sussed. The kids were kitted out in new shoes that protected their little feet as well as my small budget. Then Tartan Boy hit adolescence and the goal posts moved overnight.

Suddenly it wasn’t enough that the shoe was the right size – it had to be the right brand too. A branded shoe is never a budget shoe – they start out at a ridiculously inflated price and no 50% off sticker can bring it down to the same level as a discounted shoe that started out at a lower price. So branded shoes were a step too far for me. But non-branded shoes were a leap over the cliff-edge of cool for Tartan Boy. Problem.

You can read how I (almost) solved it in What To Do When Your Kids Want Branded Shoes And You Want To Stay On Budget. Although, to be honest, it’s less a problem you can solve, more a curve you can try to stay ahead of. So if you have any other secrets of sane shoe shopping, I would love to hear them. Please share them in the Comments below.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to avoid being a pay day millionaire.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

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.

 

August 13

Thrifty Things To Do This Week – Preserve A Plum

Week 3 – August 13th, 2018

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending

Are you partial to a plum? It’s not a fruit I have ever heard anyone go into raptures about although it is one that grows well in the UK. I am fairly neutral – I will eat one if it’s there but I won’t hunt one down if it’s not. But I will go to some effort to pick them in quantity because they make all sorts of delicious and cheap preserves. Delicious, cheap and easy.

Plums, damsons and their wild cousin the sloe all contain exactly the right balance of acidity and pectin (a fruit protein) to make it easy to get a set. And the same acidity means that they make sweet preserves that have an interesting flavour rather than a blanketing sugariness. They can stand up well to stronger savoury flavours too, going well with strong cheese and red meat. Plums and damsons should be ripe about now, sloes a little later in the autumn, and if you have a tree you can plunder, or a source of very cheap fruit to buy in quantity, take a look at Plum Preserves – 5 Delicious Things To Do With Free Fruit.

However you preserve your plums, be sure to use The Jam Labelizer to pimp your plum preserves with a free label design. All you have to do is download your label, save it at whatever size your jars need and print a whole sheet of them. Remember only to use the designs that are flagged up as free to print yourself. If that is too much work, try The Graphics Fairy’s Free Printable Jam Labels.

 

I will be back next week with a fresh Thrifty Habits Planner and advice on shopping sanely for kids’ shoes.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

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.

 

August 6

Plum Preserves – 5 Delicious Things To Do With Free Fruit

I am undecided about plums. Bought in the supermarket they seem to have been picked weeks before they are ripe. Hard, sour, with an annoying tendency to suddenly race beyond ripe all at once – they are too tender for lunch boxes, too sour to eat without sugar and, frankly, lacking in flavour.

If you have a source of plums fresh off the tree though… Oh yes. A very different fruit indeed. Yielding and honeyed, quite unlike anything you can purchase in a punnet. The problem is, though, that if you have access to a plum or damson tree then you have access to more fruit than you can possibly eat before it starts to rot. Which is where preserving comes in. Plums are easy to preserves and the results are delicious. If you see cheap plums right now – or better still have a free source – remember that plum jam on a pancake in November is worth some effort in August. Here are five of my favourite things to do with plums.

  1. Make Jam. Plums and sugar alone make an excellent jam – in fact the natural balance of acidity and pectin in plums makes for jam that is not only delicious but very easy and straightforward to make. But this sweet concoction can only be improved by the addition of cinnamon, as in BBC Good Food’s recipe for Cinnamon-Scented Plum Jam.
  2. Make Chutney. If you prefer something more savoury than sweet, why not turn your glut of plums into chutney? Chutneys are simplicity to make – no fiddling with sugar thermometers or waiting to reach setting point. Put your ingredients in a pan, bubble over a low heat for a long time  – done. And the results are delicious with cheese or for dipping poppadoms into. Try Pam Corbin’s recipe. And remember that the most important stage with chutney is the one where you leave the jars in a cupboard for a few months so the ingredients can all mellow into each other.
  3. Make Plum Leather. Somewhere between a fruit pastille and beef jerky but very much nicer than this makes it sound, fruit leathers are a handy standby for lunch box treats. Try Olia Hercule’s recipe.
  4. Make Damson Jelly. For me, damson is the queen of jams (gooseberry is king, if you are wondering) but even I find the chore of removing all the stones a bit off-putting. This is where damson jelly comes in. As with all jelly preserves, all you have to do is cook the fruit – stones included – down to a mush and then leave it overnight to drip into a bowl. The resulting liquid is boiled up with sugar to make the jelly. Jars of intense, sweet jelly and not one moment of fiddly stone-removal. This recipe works with sloes and plums if you have them instead. Jellies work just as well with roast meat as with a round of toast – a truly multi-tasking tracklement.
  5. Make Plum Cheese. This uses the same technique as a jelly – boil up your fruit, strain, add sugar and cook till it’s ready – so there is no fiddly stone-removal. But the result is a firmer preserve that can be turned out of a mould and popped on a cheese-board. It’s like the pricey quince cheeses you see in delis, only with plums. And cheap. Try Larder Loves’ Plum And Lime Cheese.

 

 

 

August 6

Thrifty Things To Do This Week – Easy Savings And Lazy Bread

Week 2 – August 6th, 2018

It’s the second week of the month: if you can make the time, Try A New Free Or Cheap Activity and Grow Something.

Several years I go I decided to save money by simply staying out of shops. It was a plan with a solid philosophy – every time I set foot in a supermarket I spent money, so, if I went into the supermarket less, I would spend less.

Did it work for me? Surprisingly, yes, it pretty much did. I have had to tweak it a bit over the years. I gave up on the one big monthly shop because we don’t have enough storage space, for example, although it did drastically reduce shop visits. But several years on, keeping us out of the shops has certainly helped keep us in the black. Would it work for you? Read the post and see what you think.

One of the keys to success for us was being able to make our own bread if we ran out. The easiest way to do that is with a cheap, easily available bread machine. But almost as easy is the no-knead method. No machine required and less than ten minutes hands-on time involved in total.  Read how to make Delicious, Thrifty, Artisan Bread and decide for yourself.

I will be back next week with a fresh Thrifty Habits Planner and advice about what to make with a glut of cheap plums.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

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.

 

July 30

Thrifty Things To Do This Week – Get Thrifty And Happy

Week 1 – July 30th, 2017

It’s the first week of the month: if you can make the time, Put Cash In Marked Purses and Make Something

Be Joyful And Generous

Now and again, it’s good to remind yourself why you are doing this thrifty stuff. The obvious answer is… to save money. The answer lying behind that is that you want to save money because that will make you happy – which is why one of my Principles Of Thrifty Living is Be Joyful And Generous Not Miserly And Miserable.

If I had to sum up the Tartan Thrifty mission in two words, they would be “happiness” and “habits”. “Happiness” because that is what I believe is the real aim of thrifty living. “Habits” because that’s what I think is the best route to long-term cost-cutting.  Mindless thrifty habits help us to effortlessly save money. Saving money helps us to feel more secure in our finances. And feeling secure in our finances makes us feel happy.

So you can imagine how delighted I was to come across The Habits Of Supremely Happy People on The Huffington Post – two of my favourite ideas in one place! Take a look at it and see if you can add some extra sunshine to your summer.

It is easy – when you are making a serious effort to be thriftier – to get fixated on cutting costs. But cutting costs is a means to an end. And that end is being happier. So why not take some time this month to think about what makes you happiest, and what would make you more happy. Then look at your spending and cost-cutting plans. Are you putting your money and effort into the things that will most make you happy? Or do you need to adjust your plans to make yourself thriftier so that they also make you happier?

Maybe you already know exactly what makes you happiest, but if you do need some inspiration try Happiness For Dummies. The author (a psychiatrist who has walked the walk as well as talking the talk and now mainly works with people in chronic pain, helping them to find deep happiness despite their circumstances) outlines in straightforward terms the key areas of your life that will make you happy. Making sure that certain elements of human existence are there in your own day-to-day habits turns out to be the key to deep and lasting contentment. (Habits again!) And – happily – spending big bucks is not one of them.

I will be back next week with a fresh thrifty habits planner and a remarkably simple way of cutting your costs.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

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.

July 27

How To Budget, Part 3

Making A Budget And Sticking To It

So, you have worked out what your personal values are, the things it is important for you to spend money on. And you have worked at writing an honest budget, one that prioritises the things you value, covers the things you urgently have to pay for, and doesn’t go over what you actually have to spend. What next?

Your budget is just words and numbers on a screen/page/scrap of paper. It becomes real when you actually live it. Sounds obvious, right? But I know for a fact that I am not the only person to sail through the month with a budget somewhere that bears no relationship whatsoever to what I am actually spending. So once you know what you  are planning to spend you need strategies for making sure you stick to that.

Why Don’t I Have Enough Willpower To Stick To A Budget?

Willpower is not an effective strategy because you can only use it when you are paying attention to your spending –  sometimes you will be using your brain for other stuff while you spend. Plus, using willpower takes mental energy and that fluctuates wildly from day to day and even from hour to hour. So some of your spending will happen, inevitably, when your willpower is low. And willpower is needed for other things too – if you use it all up on your spending you are going to have less of it for other important areas of your life. No, you need something other than willpower to make sure you really live your budget. Here are the strategies that work for me – try them and see which work for you too.

Eight Easy Strategies To Help You Stick To Your Budget

  1. Write it down and put it somewhere you will see it every day. Whether it’s a sheet of paper stuck above your kitchen sink, or an app on your phone, make sure it is right in front of you at least once a day every day or you will lose track of it.  Do not just have a budget in your head. Your head is very good at conveniently mislaying your budget when it wants to go shopping.
  2. Link checking your budget to something else you do every day to trigger you to check it. Tuck it behind your bathroom mirror and check it whenever you brush your teeth. Or put it beside the cooker and check it over while you are stirring your evening meal. Or go over it when you are stuck in traffic on your daily commute… Tick off everything you spent money on that day and add the amount you spent.
  3. Keep it real. Budgets are an idea – they are not real money. Try to deal with real money as much as you can. Don’t use plastic unless you are very good at checking your balance daily. Lift hard cash and spend your budget that way. We are generally more realistic about how much we can spend when it is actual physical money.
  4. Tweak your budget as you go along. Your budget is just a prediction and sometimes your prediction of how much something will cost will turn out to be inaccurate. That’s OK as long as you make up the shortfall somewhere else in your budget. Make sure you adjust an area of your budget that can take it. If you have a bill to pay, you can’t spend less on that, but you could cut what you planned to spend on treats, for example.
  5. Never let other people run your budget. If your budget for outings is low don’t let a friend talk you into a pricey night out. If your food budget is running low don’t let your kids badger you into buying expensive treat food. Just keep coming back to what you planned to do with your money and stick to your guns.
  6. Hide your surplus. If you are hoping to have a surplus – even just a few pounds – by the end of the month, hide it away at the start of the month. Put it in a separate account or in a separate purse. You are less likely to spend it that way. If your budget doesn’t work out and you have to spend that money then you can easily get it. But you won’t just spend it without even noticing.
  7. Set aside spending money. By all means have money just for dipping into if you can afford it. But keep the money you can afford to spend without thinking about it in a totally separate place from the money you have budgeted for other things. If you don’t, you will start to treat all your money as pocket money and suddenly it will all have vanished. Trust me on this one – I have been there.
  8. Put money straight into separate savings accounts on pay-day. We have different accounts for long-term savings, short term things like holidays or Christmas, and an emergency fund. Sometimes the amount we are able to put into each is microscopic but putting money into these accounts right away makes sure that these few pounds were still there at the end of the month. I use standing orders to do this so I don’t even have to use a tiny amount of willpower to make myself do it.
July 16

Thrifty Things To Do This Week – Blackcurrant Preserves And How To Handle A Glut Of Raspberries

Week 3 – July 16th, 2018

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending

I posted last week about getting best value from pick-your-own fruit farms. I am quite canny these days about only visiting farms where the fruit is genuinely cheaper than a supermarket but I still risk stumbling in pursuit of thrifty fruit every time I visit a PYO farm. Why? Because, dear reader, I am greedy. I see fat red strawberries or deep pink raspberries and, like edible pokemon, I gotta catch ’em all. Only at the exit till do I realise I may have picked more than we can either preserve or eat. If, like me, you come home from the fruit farm with too many berries, read What To Do When You Pick Too Many Raspberries for inspiration. And develop some self-control. You can come back and teach me how when you do…

This is also the season for blackcurrants. If you have a source of these little black flavour bombs, take a look at How To Turn A Basket Of Blackcurrants Into A Cupboard Full Of Frugally Fabulous Preserves for some inspiration.

I will be back next week with a fresh Thrifty Habits Planner and more advice on how to budget successfully.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

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.

 

July 13

How To Turn A Basket Of Blackcurrants Into A Cupboard Full Of Frugally Fabulous Preserves

Is The Humble British Blackcurrant The New Superfood?

I lost interest in superfoods several years ago. I am not convinced any food remains super when it has been transported half way round the world. That, and superfoods always seem to be pricey. Nobody ever claims the humble – and cheap – brussels sprout as a superfood, for example. But a source of vitamins and minerals and antioxidants that is still bright green in the dead of winter sounds pretty heroic to me. Superfoods seem less like a health revolution and more like a marketing ploy, yet another way to get us all to buy expensive products when the cheaper, local version is perfectly good. So I am heartened by the more recent move towards embracing the super powers of foods that grow – cheaply – right here in our chilly northern climate.

Our national love affair with all things Scandi has reintroduced the idea that berries might be of benefit – great news in the British summer time when they are abundant. Which brings me to blackcurrants – hailed by one study as the next superfood over a decade ago. Blackcurrants are easy to grow and easy to pick. No bending over (strawberries I am looking at you) and no big prickles lurking on every stem (hello gooseberries and blackberries  and I see you have your slightly kinder friends the raspberries with you.) They grow in gardens, are abundant in PYO farms and make some of the most delicious preserves and desserts known to man. According to The Blackcurrant Foundation, these tiny powerhouses can help with all manner of health issues, from a UTR to Erectile Dysfunction but let’s not pretend I am really eating them for their health benefits. In truth, you have to add so much sugar to the tart little berries that much of the benefit to your body is outweighed by the damage to your teeth.

Got Blackcurrants? Got No Idea What To Do With Them? Look No Further…

No, for me, blackcurrants are not health food; blackcurrants are treat food. Their intense flavour is wasted on Ribena – it deserves to be in artisan jams and jellies gracing elegant cream teas. Or in seriously indulgent deserts. Or liqueurs. The closest I am prepared to go to claiming blackcurrants as health food is as a dressing ingredient in salads. Pam Corbin’s fruit vinegar recipe works beautifully with blackcurrants to make the perfect base for fruity salad dressings – perfect drizzled over rocket, pecan nuts and goat’s cheese. The link also leads you to Hugh Fearnley Whittingstall’s Blackcurrant Ripple Parfait. What better way to enjoy the fruits in season? In fact, if you want to cook with blackcurrants – or eat them in a decadent smoothie or a cool, sharp ice-lolly – look no further than The Blackcurrant Foundation’s own recipe page.

Delicious magazine’s Creme de Cassis recipe requires very little effort but quite a lot of patience. Keep some of your jewel-coloured liqueur until December and you can use it to make BBC Good Food’s simple but impressive Christmas Mess. Or enjoy it mixed with bubbly on Christmas morning.

Blackcurrants are incredibly easy to make into jams and jellies because they have just the right balance of acidity and pectin. It’s the combination of these two ingredients that ensures a good set for jams and jellies and, without it, you have to mix fruits together or add pectin to your mix. With blackcurrants you need sugar and heat and nothing else. The only fiddly bit is removing the stalks from your berries – and you can skip even this stage if you make jelly instead of jam. Simply boil up the fruit, stalks and all, and then strain it through a jelly bag or a clean tea-towel in a sieve. Then add sugar to the resulting juice and boil it up again to  make jars of thick, dark jelly. Try this Blackburrant Jelly recipe from The Irish Times to make an intensely flavoured and elegant preserve. If you are sold on jam, try this simple Blackcurrant Jam recipe with videos of all the important stages, from Farmersgirl Kitchen.

Finally, something a little different. Larder Love’s Blackcurrant And Rosemary Cheese – not an actual cheese, but a very dense, slice-able fruit preserve similar to the spanish dulce de membrillo – is simple to make and perfect to serve with cheese or pate.

Get picking and potting people!

 

July 9

Thrifty Things To Do This Week – Pick Your Own Fruit Without Getting Stung

Week 2 – July 9th, 2018

It’s the second week of the month: if you can make the time, Try A New Free Or Cheap Activity and Grow Something.

Preserving something is not one of this week’s habits and yet… It is July – the month when nature bombards you with soft fruit, ripe and ready for eating and preserving. If I only recommended preserving things for one week of the month you might blink and miss it all. So let me just mention that this is the perfect week to take advantage of someone else growing something and try an almost free family activity – visiting a PYO fruit farm.

I have been picking farmed fruit since my own childhood and it tickles me now to watch my own children enjoying the same activity. It also tickles me to see them not staring at screens for a couple of hours. So does seeing them willingly eating several of their five-a-day in one go. And it tickles me to get cheap fruit for preserving. Although this amount of tickling on a tummy full of brightly-coloured fruit is probably asking for trouble.

So – fruit farms are a Thrifty Thing but it is possible to turn them into a waste of money. Read 5 Things I Learned The About Getting Your Money’s Worth At PYO Farms to find out how to make sure you don’t come away with a full tum but empty pockets.

I will be back next week with a fresh Thrifty Habits Planner, ideas for preserving blackcurrants and fingers stained pink from picking too many raspberries.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

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.