I used to spend about $1K a month and now I am spending only $250( includes transport, food and other expenses).
I had horrible spending habits. I’ll list some out for you…
- I only checked the price tags after trying out the clothes
- I loved eating out
- I over ordered food at times
- I grabbed everywhere
So from the above listed habits, I decided to…
- Stop all shopping until after my finals
- Went to the supermarket more
- Consciously eat and have good morning habits
- Time management and no more laziness
So now, I’ll into detail why these worked out for me.
Stop all shopping until after my finals
Last time I used to go in a shop, take whatever I liked, tried it on, and only if I liked it, then I checked the price tag. The problem with this is, sometimes I liked the piece enough to decide to go through the pain of spending that much. I would spend $70 on a single top or simple denim shorts which I never really honestly felt regret, which made it even scarier of a habit now that I think about it.
So since I can’t trust my inner demons, I decided to not even try to enter stores, nor browse any online shopping platform. I started off by deleting all my shopping applications, clearing them in my favourites bar in google chrome and staying away from shopping malls. Then, I set my freedom date to the day after my finals. This meant that
The first few days were horrible… It was almost as if I had to constantly brush off the thought every few hours. I desperately tried to find other ways to spend my time like studying and watching youtube videos. Over time, it was going well. I started to explore my own closet and got creative with it too. I realised I had so many clothes that I didn’t wear often and some even not at all so that sparked a sense of excitement to wear those, and get creative with old pieces. I even started to think that it is dumb to spend on clothes that are brand new and even researched on thrift shops.
I guess in conclusion, I shifted my focus of being vain, to learning new things and saving money for a greater purpose.
Went to the supermarket more
I won’t go too much into this but last time on a normal day, I’d spend about $20 to $50 a day on food and drinks which was not a great deal to me before. Then I realised, as I was calculating my expenses, that the bulk of it came from eating out.
So I decided to set aside $50 for grocery shopping and only getting food outside when I was sick or when I had to spend a special day out with friends for special occasions. Whenever I had to spend outside, I would take note of them in a list in my phone. That way I would look at it accumulative and scare myself into not eating out.
OH! The main part was bringing a water bottle with me everywhere. This curbed my habits of buying drinks outside which could cost $2 to $8.
Consciously eat and have good morning habits
I won’t go much into why I over ordered because pretty sure it’s quite intuitive… 🙂
ANYWAY, I started to drink down a cup of water once I got up and then had tea or apple cider vinegar. This really helped me get rid of urges to over eat. I also started to really watch my food and eat slowly. At the start, I would even make sure I chewed until the consistency in my mouth was really mushed up before I swallowed. So by the time I was done, I was already full and I would change my mind on getting dessert or a tea break snack.
Time management & no laziness
I realised I had a really bad habit of grabbing… only when I was close to reaching platinum… So I sat down and thought hard about why I had such a bad habit and came up with the excuses “Oh I’ll be late if I don’t grab” and “I’ll earn points and appear there fresh and free of anxiety”. With that, I started off with making a conscious effort to wake up at 7am everyday so that I can be more productive and allow for travelling time through public transport. This already saves me a few hundred dollars a month. I also kicked the chase for platinum because as I thought about it more, I found it really ridiculous considering the fact that I’m still a struggling undergraduate with no fixed income.
So yay to growth and “adulting” 🙂