Last pay day I decided that in order to start looking after my money, and to oil the financial spoke of my wellness wheel, I needed to actually look at my bank balance and spend (or not spend) according to the figure presented – not the one I have made up in my mind.
I am not as rich as I like to kid myself I am, so the idea of having to confront what money I actually have each day was horrific.
Hence and Ta-Da – The Bank Balance Blindness Challenge
I am actually really impressed with how I got on, having to confront that hideous (and not so hideous) figure every day made a real difference to my spending habits.
This is probably not the best way to budget, but I would work out how much I could spend each day until my next pay day. Some days this figure would be £10, other days, after a period of non-spending, this would leap up to £40 or £50.
This accidental saving up was fantastic, and a little bit addictive. On those days I felt like the wealthiest money merchant in the land, the shopping hubs of Glasgow mine to browse at my leisure, all of my trinkety dreams bound for reality.
To get this feeling of richy wealthness, I had to make real decisions about what I was spending my money on, and it was much easier to do than I imagined.
On the days where I had a wee bit more to play with I would actually find myself wandering around shops, totally uninspired. Nothing seemed good enough to spend my hard earned, and well saved, coinage on. I stepped out the house ready to make it rain, but I began to get more of a buzz out of keeping it dry, leaving my money where it was rather than turning it into another handbag/pair of shoes/yoga mat/household objecty thing – I don’t need anything else to put candles in.
I discovered a new joy in walking home empty handed.
Outwith rent and bills I made just 5 “big”, unessential purchases over the month:
- A pair of DM shoes that were in the sale – £30 for vegan DMs, that’s a bargain and I really do need to start cutting out the leather from my wardrobe (she’s justified and she’s ancient). I definitely don’t need another pair of shoes, however, so I put three leather pairs in the charity shop to make space for these glittery vegan demons:
- My mum’s 70th birthday present – Under £50, blinking perfect and she’s MY MUM
- Six month supply of contact lenses – £70, OK so I could just wear my glasses – but no
- Ticket to the Yoga with Adriene show at Ally Pally in September – £50
- Tickets to see Throwing Shade in London -£53
In theory, that’s a whopping £253 that I won’t have leaving my account this month.
I HAVE WON THE FRIGGIN’ LOTTERY!
It’s amazing to find out how much stuff I do not need and that I buy simply for the sake of it.
I go into this pay month with a renewed sense of responsibility and gratitude towards the money I have. I may not have much in the bank, but I certainly have enough to keep myself warm, fed and clad in the occasional piece of wonderful footwear.
I also stumbled upon this from Russell Brand (who seems to be turning into a spiritual guru of sorts) and it has been a very helpful mantra this past month: