Smart Finance and Money Saving Tips
In order for us to take control of our spending, it is important for us to be aware of when and why we spend. Only then can we make necessary changes and improve our spending habits.
What mood are you in when you spend money?
Generally speaking, when you spend money are you in a good mood or a bad mood? Do you spend money to cheer you up after a bad day or do you spend money in celebration of something great that just happened?
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Many people think that if you and your family decide to make green choices you will end up spending more money. And in some ways that’s true. For instance, if you insist on buying only organic produce in the grocery store and not at more affordable places such as farmer’s markets, then yes, you will spend a lot more on groceries.
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I know life doesn’t end after you have kids, but being married without kids has fewer responsibilities and does allow you to have a lot more freedom to do what you want with your money.
Also referred to as D.I.N.K.s, (Double Income No Kids), couples who don’t have children can freely choose to live their lives how they want, without worrying about providing for their children’s present and future.
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Success doesn’t have to lead excess. Just because you may find yourself becoming more financially successful throughout your life, it doesn’t mean that you should dramatically change your lifestyle. People who earn more generally spend more, and to a certain extent, that’s okay, but if you find yourself constantly trying to keep up with your peers, you may discover some negative surprises.
Just because your fellow colleague may eat out for lunch every day, drive a fancy car, and wear expensive clothing, it doesn’t necessarily mean that they can afford to. You don’t know what’s going on behind the scenes. They could be in debt up to their eyebrows for all you know. What matters most is that you know what you can truly afford and spending accordingly.
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If you want to be successful in life, both in your achievements and with your finances, it is important for you to define your specific priorities. It is very hard to achieve anything or to save money if you don’t know what your goals are.
Everyone has priorities, whether they are aware of them or not. If you had to tell me off the top of your head what your priorities are right now, would you be able to come up with a few right away? Some people’s priorities include providing for their children, saving for retirement, advancing their career, etc.
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Do you find yourself living for the weekend? Are you just going through the motions week by week and counting down the days and hours until the weekend? If so, you may need to consider looking at other employment options.
So many Canadians find themselves stuck in a rut where they simply look forward to Friday. Have you ever caught yourself on a Monday morning saying to a colleague: “Is it Friday yet?” If you have, then it might be the right time to do some serious thinking about what you are doing with your life. If you do not feel fulfilled with your current job situation, perhaps you need to do something new.
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After planning for over a year, my husband and I have begun what he call our “Grand Adventure”. We have taken the plunge and both quit our day jobs. We sold our home and gave away the majority of our things. The rest are being stored with friends and family. We are free to do what we love, at least for a little while, and when we do go back to the norm again, we trust we will be refreshed and ready to take on new challenges.
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