Health · Lifestyle · Uncategorized

Simplify Your Finances

I recently left my job that I have been at for the last 3 in a half years in order to have more free time and focus on my schooling. In the process I have taken a big pay cut and have found some ways to simplify my finance and save money.

No Spend Month

The first thing I did was go on a no-spend month. A no spend month is excatly how it sounds, I did not spend money. Except for things that are a necessity such as phone bill, groceries, etc. I did this in order to kind of detox my money to get out of the habit of mindless spending and get back into buying things with purpose. I think of this kind of like filing for bankruptcy its a chance to get your finances back in order and start fresh.

Cut out unnecessary bills

Another thing I did was cut out all unnecessary bills I was paying $20 a month for a gym membership I never used. Walking/jogging and playing with my dog is my daily excersice and it’s completely free. I would also look into ways to cut down on things like phone bills and music/tv subscriptions.

Organize Your Area

Look at things you already have on hand I can not tell you how many times I have gone to the store to buy something and came back home only to find out I had something similar I could have used. By minimizing your belongings this becomes a lot easier to clearly see what you do and do not have and to better understand what you actually need to buy. It’s also easier to buy products as they run out which bring me to my next point.

Don’t “Stock Up’

Do not “stock up” on items. This might seem counter prodcutive but stocking up on items causes clutter and also I find when I try to stock up on things because they are on sale then I always end up with 10 of the same bath and body candles that I am tired of smelling. If you buy one candle at a time and burn through them and then go back to the store to replace them, then you for one are able to get your dose of retail therapy and two your not cluttering up your space .

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