So, last year at this time I declared that I was not going to make any more resolutions. But how can we help it? Each new year offers a brand new start, a clean slate, the idea that this year is going to be better than the last. We all believe it, we want to believe it, that each year of our life will get better. But…this year isn’t going to be any better than last unless we do something to make it better. And so we resolve.
And so, on this cold, crisp, sunny morning, four whole days into the new year, I’m thinking I want to live my life just a little bit better. Not a lot better. Just a little. Be a little healthier, a little more thoughtful, a little smarter with money. Just a little.
But the money thing is big. I’m not exactly old—not yet—but I am old enough to see retirement age peeking over the horizon. I would like to actually retire before I’m too old to enjoy it. To be in a place where there’s enough money to live simply (yet, of course, comfortably) without having to earn a paycheck. It’s time to focus on that dream.
My friend, Eliza Cross, has a wonderful website called Happy Simple Living. And this month she’s encouraging everyone to think about how they spend their money with her “January Money Diet.” The challenge is to get through the month—just one month—without buying anything beyond the bare necessities. And she’s offering tips and ideas every day of the month to help meet this goal. I encourage you to follow along and give it a try.
Last year (or maybe the year before? Who can remember), I read Not Buying It: My Year Without Shopping, writer Judith Levine’s (judithlevine.com) journal about living a whole year without eating out, going to the movies, or buying anything that wasn’t absolutely necessary. Within the year she was able to pay off her credit cards and grow her savings. It’s an inspiring read.
But committing to a whole year is pretty daunting for most of us, so why not try it for a month? If nothing else, it will make you more conscious about how you spend your hard-earned money. Last Sunday, Chris and I went out to spend our Christmas gift cards. We walked into Macy’s, which has a Starbucks. Overwhelmed by the aroma of coffee, Chris said, “Man, a cappuccino sounds so good.” But we resisted. And saved about $8.
On our way home, I decided I wanted to make popcorn (I got an air popper for Christmas), but we didn’t have any Pepsi. Popcorn and Pepsi is one of my favorite things in the whole world. Normally we would have stopped and picked up a 12-pack. But nope—I had my popcorn with the raspberry lemonade we had in the house. Another $5 saved.
AND—during our shopping spree neither one of us spent over the amounts on our gift cards. I’m sure we’ve never done that before.
And so a few baby steps to start the new year. I’m confident that those steps will turn into a big giant leap.