I’ve been doing a lot of thinking about my budget recently and where I spend my money. I let money control me last year and therefore made some awful decisions and overspent. This year I am taking back control to pay off my credit card and set up an emergency fund. At the same time I have been looking at my habits to see where I feel I waste money just because I have it in my account. It’s got me thinking about my attitude with money and is helping me understand why I place value on certain things over others.
This is where cost versus convenience comes into it.
There are a number of products I spend money on each month that I can definitely do for less money if I really wanted to. However the convenience of the products plays a massive part in why I value them.
- Poopy Cat Litter Trays – I get these delivered every month to my door and they are fully disposable and made from recycled materials. The only downside is that my recycling collection will not take them as garden waste. These are super convenient as it takes me less than 5 minutes to change each week and the waste can be flushed down the toilet. This saves me so much time each week I find the benefits outweigh the costs at the moment. If the cost of the litter trays increase I will have to reconsider though.
- Mindful Chef Boxes – I get these delivered most weeks and they contain 3 meals with all the ingredients I need. I’ve always had a troubled relationship with food and this box has helped me not only improve my relationship with food, but also my cooking skills. I know I can cook all the recipes I receive in the box with ingredients from a supermarket, but making the time to be organised enough to do that has been a stumbling block as meal planning and diet mentality are a major trigger. This is super convenient for me as without it I fall into unhealthy eating habits.
- Cleaner – Last year I decided to get a cleaner and it was one of the best decision I’ve made. It has meant I can focus on my job and enjoying my free time, rather than stressing about making the time to clean. I absolutely hate cleaning, but I also hate living in dirt, so this works. With working away more in my new role it has meant I can really come home and relax and that is worth the cost.
- Beauty Therapist – Getting my legs waxed each month started because I was doing so much swimming and found I rarely showered at home, making it difficult to keep up with shaving. So going to see someone each month made the world of sense. I’ll admit I’m debating it at the moment as I do less swimming, but the amount of time I save by doing this for 30-45 each month rather than several times a week still makes it worth it.
- Therapy – This is a huge cost for me at the moment, but it has to be done. I probably could search for a cheaper option, but being about to build trust and talk about eating disorders with someone is what I needed. Being able to FaceTime is also hugely important to me.
These are all luxuries and I am very lucky in being able to afford them. They are also my choices and I’ve been having to remind myself of my reasons why I spend money on what I do recently. Convenience is a huge part of that of the choices I make as the time we have is also valuable and I want to spend it doing things I love. I want to travel and move to a new city in the not to distant future, but there are some things I need to do now to help make that happen. My attitude towards money needs to shift a bit to help with this though. That is what I need to work on now.
There are still some spending habits I would like to tackle so that I can do more things. After decluttering I know I do not need more things, so it is all about enabling myself to have experiences and adventures. I have since decided to add an additional goal to this year in terms of changing my attitude – I want to have money left in my account at the end of each month, not just what I put in savings accounts.