The old me would Chaos Comin’ shirt . Risk everything to fit in by spending money I didn’t have. But after a few years of therapy and unlearning, I can’t afford to let the fear of missing out take over. That’s why defining your values is essential to maintaining financial responsibility. Evaluating what you believe about money will help you regain control of your relationship with your wallet. Ask yourself: “What’s important to me? Why? What brings me happiness and gives me purpose? How do I value money differently from my family, partner, and friends?” Once you find the overarching theme, use it to guide all of your spending decisions.
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You are setting up a solid financial Chaos Comin’ shirt . Before making any significant purchases or investments, the foundation is highly recommended. This may look like budgeting, learning to use credit responsibly, planning to pay off your high-interest debt, and, most importantly, building an emergency fund. Unforeseen events can be both stressful and expensive. The general rule is to save three to six months’ worth of expenses, but the size of your emergency fund will depend on your lifestyle, monthly spending, income, and dependents. A sinking fund is a money you set aside each month (separate from your savings account or emergency fund). You can use it as a savings tool for a one-time or irregular predetermined expense. For example, I want to invest in the Moose Knuckles x Telfar leather shopping bag by my birthday in August, so that I will set aside $132 each month. When that time comes, I’ll already have the money set aside for the purchase to splurge without the guilt. A variety of circumstances can cause buyer’s remorse. Still, it might feel considerably worse depending on how much money was spent and whether or not it was an emotional purchase (when you buy something you don’t need or even really want because you’re feeling stressed out, bored, unhappy…the list goes on). The first step to avoiding a trigger (a situation or event that creates an immediate urge to spend money, regardless of whether or not the purchase aligns with your goals and values) is to identify it. The desire to spend can hit us anywhere, for any reason. Identifying your triggers can help you spot them before your bank account takes a significant hit. When your emotions tempt you to overspend, take a deep breath, get yourself back in a healthy mindset, and think about the repercussions of your purchase before you buy. Like Davies, I’m more than happy to keep updating my designer brand wish list and wait to make an investment rather than jeopardize my financial health for something I can’t afford…at least not right now. There’s always next season!
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