When I first started Family Friendly Frugality, I knew I wanted to approach frugal living from a very relaxed and welcoming mindset. I wanted to create a blog about frugal living that didn’t leave people feeling overwhelmed or less than when they walked away.
The main complaint I hear about saving money nowadays is that it is too darn overwhelming to know where to begin. If you have $20,000 in credit card debt, is clipping a few coupons realistically going to make much of an impact to your bottom line? If you are drowning in student loans and house payments, is living within your means even possible?
The answer to all of the above is yes. While the small things you do might not add up to financial freedom, they do make a big difference. Some of them will chip away at your debt or create more wiggle room in a tight budget. Some of them will simply give you more confidence and a self esteem boost, proving to yourself that you can save money!
So I am starting a Make a Change Monday series where I will simply give you one task to work on for the week. You might already be doing it…so you get to skip that week! If not though, try it out and see if it makes a difference! I’ll keep them small manageable changes that don’t require a lot of effort or learning the drugstore game 😉 .
This week’s Make A Change Task:
Keep A Spending Journal!
I have friends who meticulously track every single morsel of food that enters their mouths. Yet, ask them where all their money has gone and why they are broke, and they have no idea! Start a spending journal this week and just keep track of where your money goes. You don’t have to change how you spend at all (although subconsciously you just might!), just make sure you are totally honest in your tracking.
Do you currently have a spending journal? I know some people still track everything in their checkbooks, but nowadays I think that is more the exception than the rule.