Know Your Spending Triggers

Y’all, it’s been a spendy month, and it’s not even over until Thursday.

I had a lot of expenses pop up this month. Some planned, some unplanned. And the biggest one is yet to come–on Wednesday, I have an appointment at the DMV to register my car and switch my license over. I’ve used the online calculator on the DMV website, and it’s going to cost a pretty penny. Or about 30,000 pretty pennies. 

I’ve gone over on my grocery budget for this month as well. Last month, I was officially diagnosed with IBS, so I’ve been trying to live that low-FODMAP life. I’m a vegetarian, and protein has always been a challenge for me; now, however, it’s even worse, because I’ve discovered my triggers include beans and soy (and eggs, which I already knew about). So, this month I’ve been investing in more yogurt and pea protein powders, protein bars, etc. than I usually would consume, in an effort to meet my protein goals while also not feeling like my stomach is going to explode (fun!). 

I also got my first haircut in about two years, which put me back about $108*. I got my hair cut at the mall–which was a BIG MISTAKE. BIG. HUGE.

Julia Roberts calling me out for getting my hair cut at the mall.

I’ve been needing a couple new sweaters for work, so I figured I’d just pop into a few places to see if I could find any I liked. Well, I needed socks too (I told myself), so I got a pair of those. And I don’t really go to the mall that much (or, really, ever), so I guess I might as well stop by Sephora while I was in the neighborhood and get a new eyebrow pencil. My eyeliner is a little low as well, so I might as well pick up some more of that too…

You can see where this is going. Please, learn from my mistakes.

If we want to save money, it’s important for us to know our own triggers. 

I have two main triggers that I’m aware of. The first is plunking down a large chunk of money at once, especially at the beginning of the day or month. The second is ‘being in the neighborhood.’

Let’s address the first one. If I spend a lot of money at once, it’s like a switch gets flipped in my brain. I’ve already been bad by spending more money than I had intended; so, at that point, I might as well be as bad as I want to. After spending $108 on a haircut, what’s the matter with throwing $12 at an eyebrow pencil? Additionally, knowing that I’m going to have a big expense at some point in the month–for example, a cool $350 for everything associated with getting my car registered–seems to throw me off the savings track as well. Instead of keeping me ‘good’ for the rest of the month, my brain has gone into ‘fuck it’ mode. ‘Well, fuck it, I’m already spending more than I want to this month, I might as well get X, Y, Z.’ 

Being ‘in the neighborhood’ is also an excuse that I’ve used to much recently. I go through stages of being a hermit locked up in my apartment spending all my time watching Netflix, followed by highly productive phases of going out on long hikes, visiting friends, getting errands done, etc. When I’m in my hermit mode (which is probably default mode, if I’m being totally honest), I’ll start my day or weekend with the best of intentions of hitting up the grocery store after work or finally going to get an oil change. However, by the time work is over or I’m done at the gym, I usually want to go home. I’ll put it off for another day, I say to myself, and weeks go by without me going anywhere unless I have an appointment. I’ve been needing a new eyebrow pencil for a couple weeks now; I haven’t purchased one because I would have to make a special trip for it. However, because I was in the neighborhood, I went ahead and bought one. But then I thought to myself, when will I really be at the mall again? I’m in the neighborhood, so I might as well pick up x, y, z…

Me vs. Sephora, on a bad day.

That’s when whims turn into losses. I’m definitely an advocate of combining errands to save time, money, and fuel, but not when those ‘errands’ turn into ‘grazing,’ a behavior which comes out in full force when I don’t make a list. 

Being in the neighborhood also causes problems in my more extroverted phases. If I’m out and about and find myself close to Trader Joe’s (which is across town from me), I’ll just pop in because I like their english muffins and cheap coffee. I did this the other day, when I was getting my smog check. However, I didn’t really need to buy groceries. I would have been perfectly fine if I had waited until my regular weekend shopping trip. But I was thinking of a mindset of time scarcity–well, I don’t know if I’ll have time to go later, so if I’m in the neighborhood, I can get these things now. Even if I didn’t need english muffins, because I still had half a loaf of bread at home. 

These are just a few examples of my spending triggers. By identifying my issues, I can be more mindful of them in the future. 

In the instance of my car, if I know I’m going to have to spend that much money on such a purchase, perhaps I should consider putting it in a separate account and saving up over time instead of taking it all at once. If I know I’m going to have to make one major purchase in a month, I should consider scheduling other major purchases for the next month. And if I find myself just in the neighborhood, I should reflect on my purchases–do I really need more english muffins, or am I just buying them because I’m feeling a false moment of scarcity provided by locational opportunity? This is where sticking with a list, and with set grocery shopping days, comes in handy.

So how bad was this month, really? Although I haven’t registered the car yet, according to my calculations, I should still technically be in the black for the month, and I’ve already made my trifecta payments. However, if I want to save more for my future, I need to get my spending (and my reactions to my triggers!) under control. 

What are your spending triggers, and how do you avoid them? Feel free to let me know in the comments!

* I just want to say that this was totally worth it, though. The lady who cut my hair did a lovely job, and I’m really glad I don’t have the hair of a neglected third-grader anymore. 

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