Changing habits can be hard. We get up the same time every day, do the
same things the same way. Same old, same old, we become programmed to
doing things a certain way, like a robot. Sometimes we need to reassess
these daily habits. I read an article...
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Changing habits can be hard. We get up the same time every day, do the
same things the same way. Same old, same old, we become programmed to
doing things a certain way, like a robot. Sometimes we need to reassess
these daily habits. I read an article once about how much money we could
save if we only bought what we absolutely needed, no more impulsive buys
of things we don't need. I always use my debit card to pay for things. I
rarely carry cash, just tap or swipe and off i go. Trouble with this is
we can lose track of spending until we look at our bank balance. $5
here, $2 there, oh look, thats on sale I'll just get it 'just in case'.
I've decided to change this. I have set myself a daily budget (subject
to adjustment). From now on my goal is to withdraw money for the week
based on my daily budget. I will no longer tap or swipe my card but try
and stick to using cash only. My budget includes groceries, petrol and
my daily chai and necessities for the kids. If I don't use the allocated
amount each day I hang onto it, if i go over it means I have less for
the next day. The aim of this is to not live down to the last cent every
week and what is left in the account hopefully grow and help pay bills
or cover any 'wants' now and then. It makes me conscious of what i am
buying and thinking' do i really need this'. It also makes me conscious
of what i buy at the supermarket, looking for items on sale and cheaper
options. I am one of those people who will see a top on sale for $5 or a
bag or shoes for $10 and think 'wow what a bargain,I'll just get it" I
have found that these bargains tend to sit in the cupboard, then get
moved to the shed when I have a clean out and eventually go to the
brotherhood bin because i never used them. I'm an emotional shopper, i
buy little things because it makes me feel good. My goal is to change
this habit . If i am bored and feel the urge to go shopping I may clean
out a cupboard instead or clean up the garden. I have enough of
everything i need. I'm hoping this new habit will improve the way i feel
as i see I am achieving something and maybe even not going down to the
last cent every week which is depressing and causes more emotional
spending. I also want to get a container and each day put $1 in it. Just
$1. By the end of the year that is $365. I really want to do this. If I
can stick to this and I am still struggling then i need to look at what
needs to change. Do you have any habits you want to change? CMF