Budget

Setting a No Extra Spending Goal

January 25, 2018

budget, spending

This year, my hubby and I are working on streamlining the spaces in our home. We are simplifying and getting rid of items that we haven’t used in at least a year. Honestly, I tend to feel crippled by the amount of extra stuff that accumulates in our home and we don’t want these items to direct the choices that we make now or in the future.

To simplify our spaces, one of the goals that we set for the new year is no extra spending. My husband and I decided to use what we have instead of acquiring more things. This goal isn’t entirely easy for me because I enjoy browsing through stores, and there are so many beautiful things that want to jump into my cart.

Adopting a no extra spending goal is possible if you follow a few steps to make it happen.

budget, spending

1 | Meet Your Needs

To meet my no additional spending goal, I ask myself if something that I want is indeed a need. I’m pretty ruthless and have gotten good at talking myself out of items. If there is something that I want, I’ll add it to my birthday or Christmas list. Nothing has made it on the list so far.

Decrease your shopping online and in stores if you find yourself wanting to buy things. Meet your needs, but don’t give in to your wants.

budget, spending

2 | Edit Your Mailbox

I like being able to have some control over what appears in my inbox and mailbox. I do not sign up for direct, store emails and have put myself on a list to cancel the junk mail and catalogs that we receive.

You can edit both your inbox and mailbox so you aren’t receiving catalogs and sale notifications which can be tempting. Use Unroll.me to manage your inbox and control the emails that you receive. Unsubscribing works well, also. Catalog Choice can be used to cancel junk mail and catalogs.

budget, spending

3 | Set a Monthly Budget

My hubby and I have a monthly budget. All of our expenses go into the budget. Seriously, everything.

In a previous post, I wrote about how to shop without overspending. Setting a budget helps to manage your spending, and if you track it, it gives you a clear picture of where your money is going.

budget, spending

You can adopt a no extra spending goal if you do a few things to make it happen. Set a monthly budget, consider your needs and take control of both your inbox and mailbox. Doing these things, and figuring out what else works for you will help you to reach your goal.

Until next time,

budget, spending

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