I won’t buy this, I can’t afford it…
I won’t buy it…
I just won’t buy it. I can’t… I won’t…
And then, of course, you do.
When it comes to curbing spending, saving more, and doing all those financial good deeds that we know we should do – and that maybe, deep down, we even really want to do – we’re dealing with some pretty powerful psychological forces. And while we often hear that better financial habits are a matter of discipline, we all know that putting mind over matter is easier said than done.
Feel like your willpower’s weak? We dug into science for some tips on how to flex that mental muscle and push your financial discipline to a whole new level. Check it out in my new post on GoldenGirlFinance.com.
Do you remember the first real paycheck you ever got? Not a pouring coffee part-time kind of paycheck, but one from a real, full-time-with-benefits, honest-to-goodness job? I know I remember mine. And while that salary would not have impressed most people, it sure impressed me. Suddenly, I was making more in two weeks than I’d scraped by on over the course of two months while in university. In other words, I was rich!
So, I did what any highly educated, smarty-pants college grad would do — I spent every cent on new clothes. And shoes. And probably some other stuff I can’t remember now. After all, in two weeks, my job would just give me more!
It wasn’t long before I’d accumulated a lot of nice clothes and other things I hadn’t even really thought of buying before. But here’s the thing. Although I was making a lot more money, I still rarely had two quarters to rub together at the end of the month, just like in college. Only this time it wasn’t so much my lack of income that was the problem, it was me. Read more in my new post on WiseBread.
I write about frugality, and I try to follow my own advice, but I am by no means a minimalist. My kitchen is bursting with gadgets and appliances, my drawers with clothes, and my shelves with books. I haul in plenty of art and nick nacks and other pretty things, too. I’m no hoarder, but I have lots of things I use, that I might use, or even that I like to look at. It’s all that stuff that makes my house feel like my home. That said, I am fascinated by people who are able to pare down to almost nothing and live quite happily that way. Don’t they ever need another chair for a guest? An extra layer of clothing? Some old books to flip through on a Sunday afternoon? A few so-called creature comforts?
Apparently, those aren’t things everyone craves. And that got me wondering: Just how minimalist are people willing to get? The answer, of course, is pretty minimal. Here are a few examples from the far reaches of minimalism. They may not be for everyone, but incorporating the spirit of these efforts into our lives could help us all save more money — and even live a richer life. Read more in my new post on WiseBread.
When it comes to making healthy choices, we all have a pretty good idea of what we should be doing. Of course, that doesn’t mean we always do it. Maybe you’re OK, and if you’re still young (or just really lucky), you might not perceive your health to be an immediate threat. But here’s the thing — making good choices for the sake of your health is one of the best investments you can make, especially for budget-conscious people. After all, many of the health moves that have the biggest impact are cheap — or even free. And the payoff — avoiding the grim reaper for years, or even decades — is about as good as it gets.
Want to live longer? Check out seven cheap ways to do it in my new post on WiseBread: http://bit.ly/Wf4vqy