Tag: Urge

Financial

How Can You Stick To A Budget?

How Can You Stick To A Budget?
Gemma / November 17, 2022

There are a few key ways to help you stay on budget.

Get organized

The first step is to get organized. This means having a clear understanding of your income and expenses. Track where you are spending your money and see where you can cut back. There are a number of ways to do this, including using a budgeting app or setting up a budget in Excel.

Set limits

Once you have a good handle on your spending, it’s time to set some limits. This may mean setting a monthly budget for groceries or entertainment. Or, it could mean setting a limit on how much you’re willing to spend on a new outfit. By setting limits, you’ll be less likely to overspend.

Make a plan

If you find yourself struggling to stick to a budget, it may help to make a plan. This could involve setting up a savings account for unexpected expenses or creating a Debt Reduction Plan. By having a plan in place, you’ll be more likely to stay on track.

Stay disciplined

One of the most important things you can do to stick to a budget is to be disciplined. This means being mindful of your spending and resisting the urge to splurge. It can be difficult to stick to a budget, but it’s important to stay disciplined if you want to stay on track.

Review your progress

Finally, it’s important to review your progress periodically. This will help you see where you’re doing well and where you need to improve. It can also be motivating to see how far you’ve come.

Staying on budget can be a challenge, but it’s important to be mindful of your spending. By following these tips, you’ll be on your way to sticking to a budget.

Frugality

The benefits of spending less time shopping

Gemma / November 9, 2022

We all know the feeling. You’ve had a long day at work, you’re tired, and all you want to do is relax. So you head to the mall, or browse online retailers, in search of that perfect something that will make you feel better. But after an hour or two of browsing, you’re no closer to finding what you want, and you’re feeling even more stressed out than before.

Why does this happen? Because shopping has become a form of procrastination. We use it as a way to avoid the things we should be doing, like spending time with our families, or working on our hobbies. We think that by buying something, we’ll be happier, but the truth is, we just end up feeling guilty and stressed out.

Here are some of the benefits of spending less time shopping and more time living:

1. You’ll save money.

This one is obvious. If you’re not spending money on unnecessary things, you’ll have more money to save or spend on things that are truly important to you.

2. You’ll have more time for the things you love.

We all have hobbies and interests that we’d like to pursue, but never seem to have the time for. By spending less time shopping, you’ll have more time to focus on the things you’re passionate about.

3. You’ll reduce your carbon footprint.

The fashion industry is one of the most polluting industries in the world. By spending less time shopping, you’ll be doing your part to help reduce the negative impact fashion has on the environment.

4. You’ll feel less stressed.

Shopping can be a form of stress relief for some people, but it can also be a source of stress. If you’re constantly worrying about money, or feeling guilty about your purchases, it’s time to cut back.

5. You’ll be more present.

When you’re not focused on shopping, you’ll be more present in the moment and able to enjoy the things that are happening around you. You may even find that you have more patience for the people in your life.

If you’re ready to break the shopping habit, start by setting a budget and sticking to it. Make a list of the things you need, and only buy what’s on that list. When you’re feeling the urge to shop, take a moment to ask yourself why you’re doing it. Is it because you’re bored, or because you’re actually in need of something?

If you find that you’re spending more time than you’d like shopping, it may be time to take a break. Go on a shopping detox, and see how you feel after a week or two. You may be surprised at how much better you feel without the constant need to shop.