When making financial decisions you probably weigh the impact to your wallet, but do you ever question the impact on your emotional wellbeing?
Those were the kind of decisions that I then started to make as I realized that this debt is gonna be gone: what now, where do I go with my life after debt, what does that look like for me? And for me, it was really figuring out what success looks like for me, what things that I value, and why am I doing all of this? Now that the debt is paid off, what now?
But, while frugal living is often a difficult way to achieve goals, there are plenty of painless money-saving tips for everyday life to get started. Once you’ve started with these smaller actions, you might start to feel a shift in the way that you think.
A lay off, contract gap or sabbatical all have you paying expenses with no income coming in. I’ve been faced with all of these situations and the main difference, assuming you have emergency funds set aside, is more psychological and what you do next.
Urban Ministries of Durham serves over 6,000 people every year. But you’d never need help, right? Prove it.
I would love to go back and zip line for hours but that would be fairly expensive. What’s a frugal, thrill-seeking, soul to do then?
I’m going to argue that your natural spending habits are actually a pretty minor factor in whether your relationship will be successful. If a couple has one person that’s a spender and one person that’s a saver, it can actually be beneficial to both parties.
Having cash helps us sleep at night. It allowed us to survive my husband’s job loss, sick pets, and car troubles. Saving money doesn’t come naturally to us, but memories of having $100 dollars in the bank with a mountain of debt kept us motivated.
Forget about groceries and the heating bills. We need to save, save, save!!!
Choose a job you love and you will never work a day in your life.’ It’s a nice saying, no? It gives off such a sense of control.
Too bad it’s completely false.
It dawned on me that I was angry because I didn’t want to go to work because I had better things to do.