If you’re following along with our Totally Worth It newsletter course, you’ve created (and started to maintain) a budget. Now, it’s time to work on cutting back expenses. Here’s how to get started:
One of the biggest changes budgeting made in my life was that it forced me to stop spending money on crap I didn’t really care about. Take a good, hard look at your monthly fixed expenses, those recurring costs that stay the same.
Previously, I had been opposed to most “quick” meals on principle. I’m a decent cook, and I can whip together something a whole lot healthier and tastier than a frozen premade fried rice if I have the time and inclination. But if I get home at 7:30 on a Tuesday, I have no time or inclination. So I invested in the Trader Joe’s freezer section.
Budgeting made me more conscientious about what I was spending my money on, which made me enjoy it more when I did.Budgeting doesn’t mean you aren’t allowed to have fun. I gave a presentation about the topics in this newsletter to a group of L.A. Times interns. At the end, one of them raised their hand and said, “But what if I want to be a fun person who can do spontaneous things?”
Another intern said they spent a lot of money buying things they saw on TikTok. That’s fine! Know thyself. Have a line item for “TikTok buys” and check that you have money left in that category before you spend it.
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