She Strengthens

Finding Balance in Budgeting: A Shift in Perspective

As I reflect on my financial journey this year, I’m proud to have achieved some significant milestones, including building an emergency fund and sticking to a budget – well, mostly. My husband and I have struggled to keep our dining-out expenses in check, consistently exceeding our $300 monthly budget by $100 or more. At first, I was consumed by guilt and frustration, feeling like I was contributing to the staggering statistic of food waste in America.

The Pressure to Perfection

I tried to tackle the issue head-on by meal planning, tracking our fridge and pantry inventory, and utilizing our slow cooker for weekend dinners. While these efforts helped reduce our spending, my obsessive focus on food prep and planning began to take a toll on my mental health. I found myself declining social invitations and stressing over produce going bad, all while struggling to enjoy the cooking process.

A New Perspective on Budgeting

Then, I stumbled upon a pivotal episode of the Her Money Matters podcast, where host Jen Hemphill shared a refreshing perspective: “Budgeting isn’t about depriving yourself. It’s about knowing what’s coming in and going out so you can live the life you want.” This simple yet profound concept stopped me in my tracks. I realized that budgeting wasn’t just about saving for the future, but also about living in the present.

Embracing Flexibility

I’ve come to understand that being financially responsible doesn’t mean sacrificing everything. In fact, extreme restrictions can often lead to reckless spending when we finally give in. Instead, I’m learning to be more flexible with my budget, allowing myself to spend money on experiences and things that bring me joy. Friday dinners, Saturday lunches, and Sunday brunches with my husband have become a regular part of our routine, helping us stay connected and reducing my stress levels.

Spending with Intention

As I’ve relaxed my grip on our dining-out budget, I’ve noticed other areas of my spending have adjusted as well – namely, my credit card usage. I’ve started using it more judiciously to purchase things that align with my values and goals, such as tickets to live shows or mini-vacations. It’s a delicate balance, but I’m learning to spend intentionally, rather than impulsively.

Living Life on My Own Terms

I’m fortunate to be in a stable financial position, with savings and a steady income. It’s time for me to stop living like I’m still struggling to make ends meet. While it’s essential to live within your means, it’s also crucial to remember that life is short, and sometimes it’s okay to splurge on things that bring happiness and fulfillment. By making my budget work for me, rather than the other way around, I’m taking steps towards living the life I truly want.