Ok – be honest, how many times have you put money into savings and then had to transfer it back to your checking account not long after? I’ve done this more than I would like to admit. I think we all have. There is an easier way to save and keep your money from being spent on random stuff.
=> First step: make a list of the things you *want* to spend money on. This is so fun! When you plan for spending, it takes the guilt and uncertainty away.
=> Second step: figure out how much you will need to save each pay period, month, etc. in order to reach your goals.
=> Third step: follow through with step 2.
Being intentional with your money helps keep you in check when you are in a spot to spend. Instead of feeling restricted with a budget, you are prioritizing your plan for spending. Are the unplanned Amazon purchases more important than the friends trip you are taking in a couple of months? Would you rather have the Audible subscription or the whirlwind trip through Target where you spend WAY more than you were planning?
Do you have a masterclass you want to join? A trip you want to take? How about a new computer? Whatever it is, start saving for those items and then give yourself permission to be ok with the purchase when it happens! You aren’t just saving for savings sake, you are saving for something specific.
Set up a separate savings account if you need to, but start saving for specific reasons and watch the guilt fall away when you actually spend your savings! Tell me, what is one thing you want to save for?