Why Saving Money in the Modern Age is Key…

Afternoon walks…

Saving money is easier than you think…

Some people save 10% of their monthly wage, others 70% and others none

I’m a believer in the philosophy that every penny counts,

…after all…£1 saved a day for a year… Is £365

It’s little things that mean you can accumulate wealth

EVERYTHING MAKES A DIFFERENCE

I know a lot of people on an okay wage, with a relatively cheap apartment

…Who always complain about having no money…

So, me being me, I ask why

and most of them can’t really give me an answer…

apart from tell me what they do in a week

From talking to them it became apparent that they:

went on a night out twice a week

had meals out with friends in between that

went to the grocery shop every couple of days

and bought clothes/treated themselves whenever they had anything left over

ALL OF THIS IS OKAY TO DO…it’s your life, and this is a normal social life

However, I find the people with the most wealth- the ones who are building in secret. Are the ones who are almost masochistic with regards to what they spend. They aren’t cheap… just decisive with their time and their money.

They would say no to going out for a meal with friends if they’d already been out that week with them

They would say no to buying a new top that they’d wear once for a night out

And to be honest, being like that… IS EXHAUSTING

but,

It means they can save what they would have spent on that meal (so £30 in London…)

and they would save what they’d put towards the shirt (depending on quality £25-£50)

and put it straight into savings

Obviously if you have a family I understand it’s incredibly difficult to save

Kids destroy clothes all the time and they constantly grow meaning you always have to buy new clothes…

but my advice if you don’t have anyone else to think about apart from yourself (and maybe your partner)

IS TO SAVE

Not because I want you to be boring and controlled

but as my form tutor in my first day of high school said…

“Life is a bitch”

He said that to a group of 11 year olds, and at the time I was a bit shocked…

but it’s true.

If you start saving now (regardless of how old you are) you won’t regret it

You don’t lose the money so you can never regret it, because you can always change your mind and get that shirt if you want it

But making that conscious effort to save money…

Is what will make you money.

New post tomorrow,

Lis.

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What is Minimalism?

Shower bar and safety razor

I’m a minimalist, but what is it?

A minimalist to me, is someone who lives with only the things you need. That doesn’t mean you can’t have nice things or things you want.

Its just the act of mindfulness and making decisions.

I make a decision every time I buy something now,

Is that draining?

sometimes

but it’s also incredibly liberating

I have one shower bar and one razor. I don’t have to think about anything other than those two items when I shower.

I have a small amount of clothes but I know full well I wear them all, and because of that I open my closet, grab something to wear- know that it works because I’ve catered my closet to that- and then move on with my day.

Easy.

I’m a person that has a very over active mind: I plan, I do and I think… a lot. Due to this I have to make my everyday life more manageable. So to do this I eliminate having too much choice with things I don’t really appreciate.

and instead have little choice with the things I know I love.

It’s all about investment.

the quality of everything is better because for every two tops I could have, I buy one for the price of what I’d spend on two.

This results in a much neater, higher quality, longer lasting and environmental closet.

and it works so well for me

It literally makes me happier as a person.

Now I’m not saying you should be a minimalist, I’m… believe it or not,

quite an extreme person with things like this…

but this is something maybe we could all be a bit more mindful and decisive about -regarding the things we buy…

New post tomorrow 🙂

Lis.