Happy Friday!! This weekend I am headed up to the Great White North once again for some skiing and quality time in the snow.
But first, it’s time for another Finance Friday.
#3 – Make conservative spending a habit
This may seem simple, but just take a minute to think about it. When you walk into Target, do you get sidetracked by fun gadgets in the $1 section? Browse the magazines and snacks at the checkout? (yes. yes.) How many times do you walk into a store and walk out with way more than you planned (or could have ever needed)? I personally feel like I can relate these items to sugar. The more I eat, the more I crave… and the more I give in to my random store cravings the more I allow them to take over each time I enter the store. And let’s be honest… I have no idea what becomes of most of those random buys (they probably end up in a trash can or a goodwill bag).
Speaking of Target, it is the worst (and the best). I’m not sure what happens when I walk in there but I lose all self control and suddenly end up wanting things I never even knew existed. I will actually make a loop around the store just to check out sections that are no where near the items I came in for, and by the time I leave I’m not even sure what day it is.
So this is where building good habits comes into play. I always think back to college and wonder how I kept my credit card bill under control on such a limited budget. I think the difference is that I made it a habit to get in and get out without even thinking about what else I might want to pick up while I was there. So if we can make it a habit to work out everyday, or make healthy food choices, why can’t we make it a habit to spend money conservatively?
So I did a little research… the bad news is that according to this article from The Huffington Post, research has proven that it can take anywhere from 2 to 8 months to form a new habit (as opposed to the old 21 days study). But the good news is, baby steps are OK. The most important part is perseverance.
Want more Finance Friday Posts?
On the menu for today:
Breakfast – The last English muffin with PB and berries!
Lunch – 6 al fresco chicken meatballs with a slice of swiss cheese and a side salad (baby spinach, banana peppers, yogurt bleu cheese dressing), and the last of the berries
Snacks – inner peas and carbonated water (afternoon), and a banana with some yogurt before I hit the road this evening
Dinner – tbd
On a side note, last night I ran my second fastest 3 miles ever. While it’s nothing too impressive, it always feels great to start seeing improvements!
Have a great weekend!