Money left at the end of the month?


Hello Dear Reader,

Do you sometimes feel there’s more moth than money? Does the cost of living mean you are stretching your budget further than ever? I know it’s really hard and it’s getting harder. 

I’m a normal person, I like a nice house, to dress well, to smell good and to wear quality shoes but just because I want something doesn’t mean I’m just going to go out and buy it. I like to save up and buy what I need and I certainly don’t go without. What I have learnt to do is take time to think about and plan my purchases and wait until I can afford to buy what I need. Sometimes, I have to have a word with myself and remind myself I have plenty of shoes or dresses but it doesn’t stop me from wishing and wanting.

I thought I’d share a few of my ´don’t spend’ questions that you can ask yourself if you’re tempted to spend when you ought to be saving.

Will I really use it?

Do I already own something that I can use in place of this?

Can I get one second hand ?

Can I make one myself?

Will it serve more than one purpose?

Will this be cost effective to maintain?

Will using this require a lot of energy?

Can I wait a week before buying this?

Will buying this make me happy? How long will it make me happy?

Would it be better to rent?

Can I swap for it?

Will I get my money’s worth out of it?

Will I continue to use it after the novelty wears off?

Could I get the same product somewhere else for free? Freecycle?

Will I actually use this product?

How many hours will I have to work for this?

Can this help me financially?

Do I have the room to store this?

Can I find this cheaper?

Is it on my shopping list?

Do I really need it?

By the time I’ve asked these questions, I talk myself out of buying and remember that my aim is to have money left at the end of every month. Of course I budget but I also have to make sure I rein in spending and say no, even when I want to say yes. I don’t always like it but I know I have to do, what I have to do. 

Until tomorrow,

Love Froogs xxxxx