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You might feel deprived when you start trying to get your spending under control. If you’re used to doing or buying certain things, and all of a sudden you can’t, you might resent the idea of leading a frugal life. Finding new ways to manage your finances will definitely take some adjusting, but it doesn’t need to be painful.
When my husband and I started cutting back on unnecessary expenses, I have to admit that I fought back at times. I loved going out to restaurants. We both worked hard, so didn’t we deserve a meal that someone else fixed? I loved good deals on earrings and other jewellery. Just one pair of earrings couldn’t affect our finances much, could it? I couldn’t imagine not planning a vacation or two every year. Isn’t it practically mandatory to take a vacation every year?
We quickly discovered that if we were going to be serious about getting our finances in order, we had to look at every category of our budget. As much as we didn’t want to cut back our spending on certain things, we knew that our new plan wouldn’t work unless we did exactly that.
Your success with a new financial plan has a lot to do with your attitude. If you think you’ll never be able to do it, you probably won’t. If you resist the new plan because you just can’t imagine depriving yourself like that, you’ll never give your best effort for making the plan work. If you know that there has to be a better way to handle your finances, you’ll have a much better chance of finding the best solutions for managing your money.
Look at your situation and decide if you’re really being deprived of anything. More than likely, you still have everything that you need – food, clothing, and shelter – plus more luxuries than many people in the world could ever think about having. Keep your focus on how fortunate you are to have what you already have instead of what you’ve decided to trim from your budget.
My suggestion to you:
Make a commitment to follow your financial plan without complaining that you’re being deprived. Concentrate on what you do have and what the result of your new financial plan will be.
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