Its true budgeting is shit. It stops you from spending money on fun stuff like beer and new clothes. But without a budget, I bet you find yourself running out of money at the end of each month. I'm sure your sick of seeing the butterflies out your wallet, although at times it can be pretty. Rather, I have come up with an ingenious way of saving money daily that can entice you to save just a little bit at a time. I call it the the monthly challenge board. Instead of using a boring excel spread sheet to plan out your expenses, buy a box of Favourites chocolates at your local supermarket and devise simple challenges, where if completed, you can reward with chocolate almost daily. For example, instead of buying lunch on Monday, make lunch at home and bring it to work. Then if you do this simply reward yourself with a chocolate at the end of the day. By doing this, you will not only save money, but you will also be able to rewarded for your sacrifice. In order to save money like this on scale, all you will need to do is think of more simple challenges to set yourself each day. Wait before you say anything, I know you may be thinking wont this become boring eventually and more expensive if I have to keep buying chocolate? Well no, these challenges will eventually be come a daily or weekly habit through repetition. Additionally, if you stick to your challenges you will find that the reward of saving money will actually become a sense of intrinsic satisfaction, and thus become more valuable than the chocolate itself. Here's my monthly challenge board that you can use as a template for your challenge board.
Let me know how everyone goes, mention your progress in the comments bellow!
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AuthorLong time millenial who advocates for financial literacy and investing, with a degree in Econometrics ArchivesCategories |