As per my money simplification goals, I’ve been trying to not only be stricter about what I spend money on, but also more aware of the areas where I tend to overspend.
My Mint account has been really useful for identifying the areas of life where this happens. The biggest offender to my budget? Lack of planning.
How many times have I had to buy a $1.50 bottle of water for the gym because I forgot my refillable one at home? How many times have I had to buy a $12 lunch because I forgot to pack something the night before? How many times have I impulsed shopped to kill time, only to realize later that I only bought what I did because it was on sale or something?
The answer to all three of those questions is “way too many times.”
Joey and I have decided to be really strict about spending for the rest of the year, only really spending money on a pre-planned trip to California in November. The first thing I cut out of my spending plans? Shopping — especially of the impulse variety.
This is especially hard for me as fall (my FAVORITE season) approaches, and with it an onslaught of fall clothing (also my favorite). In order to keep myself in check, I made a list of the things I am allowed to buy for the remainder of 2014:
1. Two pairs of jeans — a lighter denim and a blue denim. I bought these yesterday — one pair was only $18! (Prior to this purchase, I had two pairs of jeans, and one had a broken zipper I still need to get fixed.)
2. A gray t-shirt. This was also bought yesterday (for $8!). I can’t tell you how many times I find an outfit on Pinterest and all I need to recreate it is a gray T-shirt. For whatever reason, I’ve never had one.
3. Underwear. TMI? Whatever. I needed two new bras (bought these for the price of one with a coupon) and regular underwear (yet to buy).
4. A black, semi-casual, sleeveless fit-and-flare dress that I can wear to work and basically anywhere else. It’s really only in the last year that I’ve acquired a few LBDs (a dressy strapless version, a dressy sleeveless version, and a long-sleeved cotton version), and this is the one staple I am still missing.
5. Nice pajamas. One of my coworkers told me I don’t actually need these, but I’ve decided I’ll feel better about myself if I’m not going to sleep in ratty gym clothes every night. I’m weird, but suffice to say this is important to me. And I’m planning to buy them at H&M or Gap anyway, so it’s not a huge expense.
That’s it. You might notice a lack of sweaters, boots, jackets, scarves, and all other fall paraphernalia that brings me joy. (I will allow that I will also probably buy a couple pairs of black tights, though.) It’s honestly a sacrifice for me, but the results (debts paid off and a more substantial savings account) will be worth it.
The biggest thing I’ve found to be helpful in sticking to this list is actually writing the list down and keeping it as a reminder. That way, even if I’m presented with the opportunity to shop, it’s much easier for me to resist because an item isn’t on my list. The more I prepare, the easier it is to keep focused on my goals.
Besides, it’s just one fall season, and if I’m totally honest, I already have an abundance of fall clothing that is still in style and perfectly fine. This should not be so hard!
Do you make shopping lists each season? What’s on your must-buy list this fall?