Is there something you’ve always wanted to do but can’t because of finances? Maybe it’s taking that dream vacation, buying a house, or switching careers. Perhaps it’s something simpler like having weekly drinks with friends or picking up a new hobby.
Money controls so many aspects of our lives. It’s easy to spend, yet hard to earn. Given how precious it is, why waste it?
The goal of budgeting isn’t just about tracking expenses—it’s about working toward the life we truly want, a life that brings fulfillment. A budget can help you reach your goals, whether that’s saving for an emergency fund or planning for a vacation. It may not sound glamorous, but it’s the foundation that will help you achieve your dreams.
I’m in a place now where I’ve gained a fair amount of financial freedom. I used to dream of having the resources to do things just for me. Now, I’ve made space for hobbies that have been on my radar for years—some of which aren’t exactly cheap. But I work hard to balance it all. I use my money on what truly matters to me, and I’m constantly evaluating whether those things still align with my values.
For example, when I invest in classes, I commit to showing up. I know if I don’t, not only will I be missing out on “me time,” but I’ll also be wasting money—the money I worked hard to earn. If I’m not fully invested, it’s not just the class I lose, but the opportunity to better myself.
Don’t waste time earning money only to forget how you spent it. Time can’t be bought back.
A budget helps you spend more purposefully. Start by identifying your necessities—things like housing, food, and utilities. Then, take a hard look at where your money is going. What is leaving your account? I recommend reviewing the past few weeks of spending. Looking at last month’s transactions will give you a clearer picture of your habits. You might discover some uncomfortable truths. I know I did.
One of my eye-opening realizations came when I saw how much I was spending at McDonald’s each month. I’d been stopping to get my son breakfast on the way to school, and it added up—hundreds of dollars a month for one meal a day. It was more than I ever imagined.
Learn from my mistakes. At the very least, understand where your money is going. Look at your spending with a clear mind, separate from the moment of decision. This awareness is how you get to the places you want to go, with purpose and without being distracted by every shiny object that comes your way.
So, let me ask again: What do you want to do, but your finances won’t currently allow?
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