Let’s talk about money… part 2

Following on my post earlier in the year I have continued my thinking about how I spend and save my money to be able to do the things I want to do. I want to emphasise the ‘do things’ aspect of my thoughts as that is really a big shift in my mindset over the last few years. Doing things and having amazing experiences goes beyond money, but I find money or the absence of money can get in the way of experiences. The stress money can cause can be horrible, but I truly believe you can have great experiences no matter what your budget it. As I said this is a shift for my own mindset as I have very much lived in the moment with money over the last 7-8 years. I mean I have saved when required, but it’s always been for something specific – my house, a holiday, etc. – rather than having a fun fund or emergency fund to keep life easy. I want to stop living payday to payday as it is so not fun!

So I’ve continued with my goals from January (paying of my credit card and setting up my emergency fund), but I also want to get rid of some hindering spending habits. Lent is the perfect time to do this as a lot of people are giving things up and having a set amount of time to work with is something I have found useful in the past. Although I am not religious I appreciate aspects that have transferred into mainstream society. So for lent I have set up a no spend list!

There are several habits I have formed over the last few years that I feel have gotten a bit out of control, or that I definitely spend money on without fully thinking it through. So I have created a short list of things I will not spend money on for lent:

  • Buying takeaways, including lunch at work and food at the cinema
  • Buying non-necessities – books, candles, accessories, makeup, stationary and other stuff that falls into this category

Basically I want to question myself every time I need to spend money. I want to be become more mindful of my spending and where I choose to give my money. I already have a lot of stuff and I know I do not need more stuff. Along side this I am thinking about decluttering my entire house (I’m actually itching to do it, but would like a block of time to start with) and also think about giving and receiving gifts differently. I want to be generous, but mindful. I suppose I really want to get to a place where I do not worry about money as I know the choices I will  make will support the life I am leading.

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