There are many budget things I could resolve to do more of in 2013 and many things I could encourage you do in 2013 in regard to your budget. But I am just going to focus on one thing here.
I could talk about writing lists. detailing expenditure and income. I could talk about making a savings plan. I could resolve to be better at resuing and recycling and making meal planning almost a mantra. I have (and will do agian I am sure!) discuss all these important budgeting tips and tricks. In fact they are very useful and |I think managing our money and being a good budgeter should be part of the national curriculum!
Photo by Tax Credits
But actually I have just one budgeting resolution this year and it is this:
I am going to be more mindful about money in 2013
I hope that doesn’t sound glib or vague it something I feel Is actually very important. I always have good intentions about money and I know what to do but sometimes I sort of zone out. I come undone when I stop being mindful of it when I realise I have left a supermarket handed over my plastic and can’t remember how much I have just spent. that’s so rubbish isn’t it ..have you ever done that.?
I have sometimes been online shopping for school trousers and before I know it I have a new top for me and a party dress for my daughter that she doesn’t need in my basket. Sometimes is a rush I whizz online order what I need then think oh sugar should have checked the voucher codes.
I want to be more mindful because I know it makes a difference to my finances and being in a better position financially makes me happy I want to think before I hop in a cab instead of wait for a bus, before I buy a magazine, a larger coffee, a new top, a brand new book, crank up the heating, say yes to social events.
I need to build in thinking space and I need to be build in prompts and alternatives this all helps in becoming more mindful.
Making a list of what I intend to buy before I hop on line will help me keep this in mind more and help me stay more focused. Having a routine pinned to my notice board saying list. check codes then shop will keep this mantra in my head. Putting a library visit each month in my diary should keep me out of book shops and subscribing to an online magazine will keep me out the newsagents. If I have an alternative in place hopefullyl I will be more mindful of these when tempted to stray off the good budgeting path.
Cash definitely makes you more mindful then plastic. I think I should supermarket shop with cash I am sure that will keep me more mindful there nothing quite like giving over a huge wodge of money that makes you think about what you by.
Being mindful means simply keeping something in mind. I am going to try very hard not to zone out about money but to keep in control of my spending this year.
Do you have any budgeting resolutions?