Save. Spend. Splurge.

Learning how to save leads to improvement in other areas

When you learn for the first time how to save, not only will your debt (if any) get paid down, you will end up with an increasing net worth.

What’s interesting is how getting into the mindset of savings will lead to changing your mindset in other areas of your life.


An obvious benefit of being in charge of your money is you sleep better at night, knowing you have a plan in place. Your sanity stay intact and you feel a lot less stress when you know where your money is going.


Your eating habits will be different, particularly since it’s a fact that eating at home will save you more money, but it will also improve your health.

As you start cooking at home, you will start eating healthier, because if you do the math, buying processed or pre-made convenience foods is more expensive than if you made the actual meal from scratch.

You will also notice that you will be reading the ingredient labels closely, understanding the priorities of where your money should be spent — less on stuff like drinks or snacks which are luxuries, and more on core items like fruits, vegetables and/or meats.



This ties into eating, but you may start going to the gym or like me, start doing yoga and thinking about taking better care of myself.

I also find that I don’t get sick as often, and I am more conscious about brushing my teeth and flossing, as part of my trend towards being healthier.


The best way for me to stop spending so much money, is to throw myself into my work (or even into other hobbies).

Sad, but true.

I don’t spend as much when I’m spending time at work, because I am too tired to even think about shopping. It becomes a chore, not a pleasure.


As a result, my career starts to pick up in terms of what I can accomplish, and this is never a bad thing.

Starting to take control of your financial life will lead into slow but positive improvement in other areas of your life, once you start to learn how to exercise self control.

If I had never gotten into debt, it would have been ideal… however I always think to myself that if I never had $60,000 of debt and never tried to get out of it the way that I did, clearing it in 18 months, I would have never learned how to save 50% of my net income and to be as careful with my expenses as I am today.

In a way, I’m happy I did have that debt and I learned the money lessons the hard way, rather than waking up at 60, wondering how I am going to ever retire in 5 years.

I certainly maximize my income as much as possible to help with my net worth growth, but I also understand that the other side of the equation is to spend carefully as well.


  • Revanche

    I’ve thought the same about the tough stuff we came through: better then when we could handle it and learn good lessons for life than later when we couldn’t do much about it, right? Best if we learned the lessons without having the debt in the first place but I suspect that’s unrealistic. Which makes me wonder how we can pass this on to our kids without as much pain.

    • save. spend. splurge.

      We just have to be a little tougher on them. THeir income is not 100% theirs, I am planning on confiscating 10%-20% of his income (to secretly save it for him) as his “fixed expenses”..

  • Abigail @ipickuppennies

    We don’t cook, which I know is a PF sin. But it just doesn’t work for us, and it leads me to be very self-critical, then shame spiral, then non-functioning-ness for awhile. Easier to just ameliorate costs by keeping easy food at home.

    But when I have food at home, it’s not fast food (obviously). It’s got less fat and salt. I actually mainly keep frozen Healthy Choice meals and protein bars around. Lately, also peanut butter toast. So I do eat better, and that probably does help a little to get me to work out.

    • save. spend. splurge.

      Hey I hear you. I hate cleaning so I just try and get it done as quickly as possible. For cooking if my partner didn’t cook, I wouldn’t eat fancy things. I’m lazy.

  • Liz

    I’ve enjoyed looking over your intelligently written blog. So much good information. I am trying to find the post (I initially found it several months ago) where you referred to a company that makes undergarments in France. I’m interested in buying some.

    • save. spend. splurge.

      oh my goodness. Let me try and find it for you. For sure Hanky Panky has made USA-made undergarments with European cotton.. that’s the one I really recommend so far. As for French-made undergarments? My goodness.. I can’t recall.

  • Ali @ Anything You Want

    I have also noticed that I spend a lot less (and eat a lot less!) when I’m working a lot, which is good for my career, budget and waistline. However I do notice a bit of a counterproductive effect sometimes when I try to eat healthier, in that healthy food often costs more, which negatively impacts my budget. I try to offset this by buying only ingredients and not snacks or packaged foods.

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