The Gift of a Little Inconvenience: Why It’s Time to Review Your Streaming Subscriptions

The Gift of a Little Inconvenience: Why It's Time to Review Your Streaming Subscriptions

I recently had a conversation with my 22-year-old stepdaughter and her boyfriend that stopped me in my tracks. 

They casually mentioned they had just gotten their own Netflix subscription—the $7.99 per month plan with ads

Wait… there’s a $7.99 option? 

I’ve had Netflix since 2016. Over the years, I’ve watched my monthly bill quietly creep up and up until it landed just shy of $30 per month after taxes. And honestly? I hadn’t questioned it. It was just another automatic charge, another line item I barely noticed. 

But here’s the thing—we’re empty nesters now. We don’t need multiple screens or the biggest package anymore. And with the recent crackdown on password sharing, this felt like a natural pause point. A moment to ask: Do we actually need this? 

So we downgraded. 

The result? About $17 in savings each month. That’s more than $200 a year—not life-changing money, but not nothing either. For more ways to save, check out these suggestions to save $1,000 for your emergency savings fund!

And the ads? 

They’re mildly inconvenient, sure. But they’re also… familiar. This is how we used to watch TV. Commercial breaks were normal. Bathroom breaks. Snack refills. Natural stopping points. It wasn’t a big deal. 

In fact, I’m starting to think the ads might actually be a gift. 

Constant streaming—with no interruptions, no friction, no pause—makes it far too easy to slide into episode after episode without realizing how much time has passed. The ads gently disrupt that rhythm. They remind us to stand up, stretch, check in with ourselves, or even decide we’re done for the night. 

It’s made me wonder how many of the “niceties” we’ve grown accustomed to over the past few years are actually helping us—and how many might be quietly numbing us. 

Are they a blessing… or a hindrance? 
Are they helping us rest… or simply distract? 
Are they connecting us to others… or keeping us comfortably isolated? 

I’m realizing that convenience isn’t always neutral. Sometimes it makes things too easy. Too smooth. Too effortless to stay disengaged from our own lives. 

So yes, we downgraded our Netflix subscription to save money. But more than that, we chose to make it a little less comfortable—to add back in some natural limits and interruptions. 

And here’s your gentle reminder: take a look at your subscriptions. Cancel what you don’t use. Scale back—even if it feels a little uncomfortable. Especially if it does. 

Because discomfort isn’t always a sign that something is wrong. Sometimes it’s an invitation to grow, to notice, to reclaim both time and money that have been slipping away unnoticed. 

In the end, the savings add up—in dollars and in attention. And both are worth stewarding well. 

I recently had a conversation with my 22-year-old stepdaughter and her boyfriend that stopped me in my tracks. 

They casually mentioned they had just gotten their own Netflix subscription—the $7.99 per month plan with ads

Wait… there’s a $7.99 option? 

I’ve had Netflix since 2016. Over the years, I’ve watched my monthly bill quietly creep up and up until it landed just shy of $30 per month after taxes. And honestly? I hadn’t questioned it. It was just another automatic charge, another line item I barely noticed. 

But here’s the thing—we’re empty nesters now. We don’t need multiple screens or the biggest package anymore. And with the recent crackdown on password sharing, this felt like a natural pause point. A moment to ask: Do we actually need this? 

So we downgraded. 

The result? About $17 in savings each month. That’s more than $200 a year—not life-changing money, but not nothing either. 

And the ads? 

They’re mildly inconvenient, sure. But they’re also… familiar. This is how we used to watch TV. Commercial breaks were normal. Bathroom breaks. Snack refills. Natural stopping points. It wasn’t a big deal. 

In fact, I’m starting to think the ads might actually be a gift. 

Constant streaming—with no interruptions, no friction, no pause—makes it far too easy to slide into episode after episode without realizing how much time has passed. The ads gently disrupt that rhythm. They remind us to stand up, stretch, check in with ourselves, or even decide we’re done for the night. 

It’s made me wonder how many of the “niceties” we’ve grown accustomed to over the past few years are actually helping us—and how many might be quietly numbing us. 

Are they a blessing… or a hindrance? 
Are they helping us rest… or simply distract? 
Are they connecting us to others… or keeping us comfortably isolated? 

I’m realizing that convenience isn’t always neutral. Sometimes it makes things too easy. Too smooth. Too effortless to stay disengaged from our own lives. 

So yes, we downgraded our Netflix subscription to save money. But more than that, we chose to make it a little less comfortable—to add back in some natural limits and interruptions. 

And here’s your gentle reminder: take a look at your subscriptions. Cancel what you don’t use. Scale back—even if it feels a little uncomfortable. Especially if it does. 

Because discomfort isn’t always a sign that something is wrong. Sometimes it’s an invitation to grow, to notice, to reclaim both time and money that have been slipping away unnoticed. 

In the end, the savings add up—in dollars and in attention. And both are worth stewarding well. 

8 Ways to Stretch Your Holiday Budget With Heart

8 Ways to Stretch Your Holiday Budget with Heart

Is it just me, or has life become expensive?
On a recent grocery trip, I spent over $15.00 to make a Banana Pudding for a work event. The ingredients which were instant vanilla pudding, heavy whipping cream, bananas, Nilla wafers, and Eagle Brand milk. How is it that 5 ingredients cost $15? What in the world? When prices keep climbing and our paychecks aren’t matching the pace, something eventually has to give. And ready or not, the holidays are now here!

Maybe you don’t have money to spend on presents this year. That’s okay. Let’s explore ways we can keep costs down this holiday season and our budgets tight.


Start with honesty.

If you need to scale back gift-giving, tell your friends and family. Be upfront, be honest. Even if it feels vulnerable, do it anyway. You might be surprised by the sigh of relief on the other end—chances are, they’re feeling the pinch too. Your honesty may actually be the first gift of the season.

Now, let’s focus on what we can do instead of what we cannot do.


1. Try drawing names.

Put everyone’s name in a bowl, and draw the person you’ll buy for. Set clear ground rules, like a maximum dollar amount. Make sure whoever sets the rules understands your budget and can help manage expectations.


2. Host potluck-style gatherings.

If you’re normally the holiday host, ask others to bring drinks, sides, desserts, or appetizers. It may take a bit more coordination upfront, but organizing is FREE—and the payoff is that you’re not covering the full cost of the meal.


3. Write handwritten letters.

When was the last time you received a handwritten letter? Or wrote one? In a world of texts, emails, and social media comments, a handwritten note is rare—and priceless.

Write your child a letter about how you’ve seen them grow this year. Write your mom or dad a note recalling favorite memories. A handwritten letter says, “I took time to think of you,” and time is the most personal gift we have.


4. Create art.

Do you like to doodle? Do you have pencils, markers, or paint lying around? Consider drawing something for a friend or family member. Don’t dismiss the idea—like handwritten letters, art is time made visible.

Growing up in Mississippi there was an elderly woman at the Iuka Church of Christ named Lenile Archer. Every year on my birthday, she sent me a postcard—one side a handwritten message, the other side her own artwork. Even as a child, I knew how special it was to receive one of her creations.


5. Offer gift certificates—for your time.

Not the store-bought kind. These cost nothing.

Is someone on your list a new parent? Offer babysitting so they can run errands or have a date night. Do you have a skill someone might need—car maintenance, simple home repairs, organizing, or washing cars? Create a gift certificate for a block of your time and talent. It’s practical, meaningful, and personal.


6. Give experiences.

Maybe you make a great cup of coffee, a signature dessert, or a favorite meal. Maybe there’s someone you’ve been wanting to reconnect with. Invite them over or bring your treats to them. Share conversation. Share memories. Experiences create connection, and connection is a gift.


7. Print photos.

When was the last time you printed a photo? How many sit on your phone unseen? Someone on your list would likely treasure a captured moment—whether it’s old or recent. And many dollar stores still carry affordable frames.


8. Volunteer together.

When our dollars don’t stretch the way they used to, one of the best ways to shift our mindset is to serve others. Look to local churches for families in need. Volunteer at an animal shelter. Visit a nursing home and sit with someone who may not have loved ones nearby. Serving together multiplies joy.


Money is a resource. Time is a resource. Sometimes we have more of one than the other. But blessings can be found in both.

Less money often requires more creativity—and that’s not a loss. Think outside the gift box. You might discover you don’t miss the pile of presents under the tree at all.

The time and experiences you create will last far longer than the latest gadget or trend. Our time with loved ones is limited, and many of the ideas above are rooted in time, not money.

Time is an investment.
So ask yourself:
Do I want to spend it fighting crowds? Scrolling endlessly online? Or sitting face-to-face with the people I love?

Choose your resources wisely this season. Choose connection. Choose presence. Those are the gifts that last. And, they are budget friendly!

A Story About Joe – Family, Values & Principles

A Story About Joe - Family, Values & Principles

My Dad and Uncle’s first cousins grew up in close proximity to one another in Kossuth, MS. Their physical proximity was simply an outward representation of their relational closeness. And still is today.

Even though life has taken them to places like Nashville, TN; Sikeston, MO; Tyler, TX; Corinth, MS; and Kossuth, MS to name several. They all still stay in touch.

They gather together at least once a year. Texting and calling, too, to stay connected. And when they are gathered together under one roof, it’s like they’ve never missed a beat!

I’ve had the privilege to be in the room with them several times as an adult. It’s always a treasure. They are a fun group! They pick on each other, laugh, and share stories about the mischief of growing up. I love the insights I get about my Dad from their stories. I also enjoy hearing about my family, about where I come from, and about my roots.

They have a tradition of going to Canton, TX for the first Monday flea market in the fall. My Uncle has planned the once a year gathering for many years. They rent a big van, meet up in Corinth, all pile in, and make the ~8 hour trip to Canton for a weekend.

Read another story from their 1st Monday flea market trip here!

This flea market is something to experience. It’s acres upon acres of flea market finds. Jeff and I have even joined them a time or two.

Last May, I went home to Iuka, Mississippi for a quick weekend to celebrate my grandmother’s, Grannie King’s, birthday. She was turning 96 and my Dad and Uncle had summoned the family together to celebrate.

Once we were all settled into the living room after birthday food and cake, the story telling began again. One story has stuck with me since then.

Joe Garrett told a story about a time he was going to get a custom suit made. When the quote came back for the suit, it was going to cost him $750. He declined it and went on his way.

He explained to us in the room that is wasn’t because he couldn’t have afforded it. He replied in his easy going way, “I could buy each one of you a suit at that price.”

He went on to connect the principle of not buying the suit to a childhood memory. He had grown up poor. Anything he had was marked by hard labor, such as cutting ditch banks down by hand with a kaiser blade. He earned just twenty-five cents an hour under the hot sun for his work.

“When that’s where you came from, you know how hard and how long you have to work to buy a $750 suit. Then, you decide if its worth it or not.” Joe explained.

Those long days had shaped his view of money, work, and what really mattered. Spending that much on a suit simply didn’t sit right with the boy who once worked for quarters an hour.

This story impacted me. It’s such a stark contrast to today’s world. New gadgets, clothes, and luxuries are purchased almost without a second thought—Joe’s decision felt almost radical.

We live in a culture of consumerism, where society measures success by what we own. Many people have forgotten what a dollar really represents and how hard it was to earn. But Joe hadn’t forgotten. He carried those ditch-bank days with him, and they guided his choices.

Joe’s restraint wasn’t about deprivation. It was about wisdom. Remembering where he came from and those principles guiding him. He didn’t need possessions to prove his success. Joe was always the same person and a steady constant.

And as I remember him, I’m reflecting on my life and the principles that I have learned through hard times. Am I letting the world change me? Do I value what I already have, or am I always reaching for more? Do I pause to consider the story behind each dollar, or do I spend without thought? What I know about Joe’s life reminds me to slow down, to choose gratitude over more stuff, and to remember that true wealth has nothing to do with what we own.

Joe’s story is a reminder that true wealth isn’t about what we can buy, but about living with values that are priceless.

Emergency Funds: Why is it Important & How Much is Enough?

Emergency Funds: Why is it Important & How Much is Enough?

Life happens, right?

It happened to us recently. A few Sundays ago, I was in the bathroom getting ready.

My husband, Jeff, was in the attic. Some of you are already anticipating what I’m going to tell you. 🫣

He was in the attic inspecting how much electrical wire we had to complete a project.

His footsteps sounded hard and loud!

Then, a very loud crack, crash, and I came running out of the bathroom into the bedroom to see what in the world was happening.

It sounded like the house was falling in.

And it kinda did…Jeff fell through the ceiling of our bedroom.

Lovely.

He wasn’t hurt. Thank goodness!

He was able to catch himself before his whole body came through the ceiling.

The damage was done. A Jeff sized hole in the ceiling of our bedroom.

Of course, Jeff was leaving for a work trip the next day too. 🤦🏻‍♀️

Emergency Funds: Why is it Important & How Much is Enough?

We managed to get the hole covered with plywood, a trash bag, and tarp before he left for his trip.

My biggest concern while he was gone is I didn’t want the heat coming into the house from the attic. Hello late June in Houston = HOT! And I didn’t want any critters crawling in from the attic either!

A few weeks later, we were able to get someone to come and patch it for us.

Why an Emergency Fund?

Accidents happen as does life stuff, right? This is a great example!

This made me so thankful for our emergency fund that we have in place. Which meant, other than the inconvenience, we didn’t have to worry about it. We had the money to have it fixed. Cost and labor was about $350.

This is not a brag post about our emergency fund. This is a post to ask, “are you prepared financially when accidents and life happen?”

I’m pretty sure you’ve experienced a car breakdown, a flat tire, the kitchen sink leaking, a toilet overflows, the dryer goes out, etc. Feel free to add to this list.

When these things happen, they are ALWAYS inconvenient.

If you put space between yourself and the life happens stuff, it will only ever be an inconvenience.

The space or distance you create between yourself and the life stuff is called an emergency fund.

You can also think of an emergency fund as protection from life stuff.

How Much is Enough in an Emergency Fund?

Everyone should have, at minimum, $1,000 in an emergency fund.

This is true if you are a college student or someone that has a full time job and is working toward financial goals, such as paying off debt.

Now, if you have no consumer debt (no car, student loan, credit card, etc.), then the next step would be to grow your emergency fund to 3 – 6 months worth of expenses.

How much is 3 – 6 months worth of expenses? Great question!

Your budget would be a great tool to help you find your living expenses. How much are you spending to live each month?

These expenses would include:

  • Rent or mortgage payments
  • Utilities – water, gas, electricity, internet, phone
  • Transportation costs – gas, tolls, etc.
  • Food – groceries, not restaurants
  • Insurance – car, house, renters’, etc.
  • Medical expenses – copays, prescriptions, etc.
  • Pet expenses – food, medical, etc.

Imagine you just lost your job. What do you do? How are you going to live?

I recently went through an organizational restructure in the company in which I work full-time.

Fortunately, I have a job now. However, many of my teammates were laid off. What do you do in those circumstances?

One way to prepare is to have 3 – 6 months worth of expenses saved to help create space or protection between you, your family, and a major life event… like job loss.

This will give you room to breathe and time to find your next job.

Life stuff happens. It’s not fair when it does.

But, you know it will happen, so there is no reason to delay getting an emergency fund started if you don’t already have one.

Tip: Emergency fund money should be in its own separate savings account. Do not include in your checking account.

Next week, let’s talk about ways to save your first $1,000 in your emergency fund.

6 Ways to Know If Coaching is Right for You?

6 Ways to Know If Coaching is Right for You?

Meet My Ideal Client

You don’t need to be in crisis to benefit from coaching. You do, however, need clarity, curiosity, and a desire to grow. Whether you’re navigating a career pivot, leading a team, getting your finances in order, or simply longing for a more grounded life, the type of coaching I offer creates the space to pause, reflect, and move forward with purpose.

So how do you know if coaching with me is right for you?

Let’s take a look.


You Want to Grow, Not Just Survive

You may feel capable, but also stuck. You’ve read the books, listened to the podcasts, made the lists, and still aren’t moving the needle the way you hoped. Coaching helps you break out of survival mode and step into strategic, intentional growth.

You’re Ready to Get Clear and Take Action

Many of my clients come to coaching with vague goals. They express a desire such as “I want a better job.” Some say, “I need to stop overspending.” Others mention, “I just want to feel more at peace.” Coaching helps define what “better,” “stop,” and “peace” actually look like, and then map a path to get there.

You’re Open to Support and Feedback

Coaching is not consulting or therapy; it’s a collaborative process. I’ll ask the questions you may not have thought to ask. I’ll notice patterns, challenge assumptions, and offer frameworks to help you see and move differently. That works best when you’re open to honest reflection, feedback, and practical support.

You Want to Lead, Communicate, and Live with Integrity

Whether you’re leading a team or leading your own life, how you show up matters. I help you improve communication with peers, teams, and senior leaders. We work on presence, empathy, clarity, and confidence…not as buzzwords, but as daily practices.

You’re Done Hustling Without a Plan

You don’t have to white-knuckle your way through life. If you’re tired of feeling busy but ineffective, you’re in the right place. If you want to shift from spinning your wheels to seeing real progress, this is where you belong. We’ll use proven tools to help you slow down, set intentional goals, and make peace a priority.


What You Bring to the Table: The Client’s Role

Great coaching is a two-way relationship. If you’re considering coaching with me, here’s what I ask of you:

  • Have a goal in mind that you want to achieve.
  • Recognize that you haven’t been successful reaching it on your own.
  • Be curious about what’s missing and open to support.
  • Show up prepared to discuss your progress and challenges.
  • Be ready to apply the resources and tools we discuss.
  • Be open to transformational change and the work required to get there.
  • Be willing to experiment with new strategies.
  • Be committed to your goals, and persistent in pursuing them.

If that sounds like you, coaching can be a powerful catalyst. Let’s get started!

If you’re not quite there yet — that’s okay too. Sometimes readiness is the first step.


Let’s Talk

Curious if coaching is right for this season of your life? I’d love to hear your story and explore how we might work together.

Let’s connect and start mapping your next step with purpose, clarity, and momentum.

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What is Coaching?

What is Coaching?

Think of a coach you’ve had in your life or maybe your kids’ life. What did they do that was so effective? Coaches do many things, like:

  • Encourage
  • Teach techniques
  • Improve Performance
  • Identify gaps in performance
  • Challenge
  • Inspire
  • Hold you Accountable
  • Create a plan (or playbook) to reach your goals
  • Build trust
  • Unlock the next level

What else would you add to this list?

I am not a sports type of coach, although coaching for me started in the fitness industry. Read more about that here. While coaching began for me in fitness, it has evolved into Financial Coaching, Career Coaching, Leadership Coaching, and coaching on Personal Wellness. Most people would attribute the bulleted list above to a sports coach…these descriptors also describe what I do in coaching clients about their finances, careers, leadership, and personal wellness.

This type of coaching is a one-on-one conversation with a purpose. I don’t use equipment outside on a field in my coaching. Although I do have different sets of tools and resources to help you achieve your goals. I teach you what the tools are and how to apply them.

Financial, Career, Leadership, and Personal Wellness coaching focuses on the individual. I coach the whole person. What does that mean? It means that I aim to not only help find solutions to problems, but to facilitate transformational change. Focusing only on finding solutions would limit the depth of change for clients. Humans are complex beings made up of emotions, values, systems of beliefs, etc. These parts must be considered in the foundation of how we make decisions and take action. Otherwise, real change may be limited.

How does it work? If you decided you wanted to be coached, we would first meet to discuss your goals. Then, we would get very specific on what that goal is, and determine how we would measure progress. From there, we would map out a plan to get you to your goal. This plan would let us know how many coaching sessions would be needed.

As Your Coach, You Can Expect…

My job as a coach is to identify gaps and equip you with tools and resources. Educate you on how to apply the tools and resources. I ask you powerful questions to unlock self-discovery and insight. I hold you accountable and shift your mindset. I listen and build trust with you. I walk alongside you and give you feedback on what’s working well and what isn’t. I inject hope, encourage you, and challenge you. I inspire you to get out of your comfort zone and achieve your goals!

Expectations of the Client…

Your job as the client is to:

  • come to the coaching session prepared to discuss progress and challenges
  • apply the resources and tools
  • be open to transformational change and the work to get there
  • be open to experimenting with new strategies
  • put in the hard work
  • be committed to your goals
  • persistent in achieving your goals

Are you ready to get after your goals? Fill out the form below and let me know how I can best coach you. Let’s go!

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What is Perspective Confessions?

Perspective Confessions

Hi! I’m Carlynn creator of Perspective Confessions. Welcome! I’m so glad you are here! The idea of Perspective Confessions was born in 2015. Writing has been a practice in my life starting in grade school and it made sense to create Perspective Confessions to be able to share articles, journal entries, musings, etc. about topics such as career, financial health, and overall wellbeing with all of you. When I write, I am able to connect with myself, unearth hidden truths much more easily than when I’m talking to a friend. Did you know that truth telling = confession? To confess is to tell the truth. Most, if not all of us, don’t stay connected to ourselves all the time. Our lives are filled with distractions and it takes work to get connected back up with yourself to understand how you might feel about something, know what decision to make, or to get connected to what’s true. Writing helps me do all those things. At some point, the writings in my journal shifted from writing just for myself to writing so that others could read it too. The truths that I’ve unearthed for myself I want to share it more broadly because my words might be the words that someone else needs, can relate to, and/or help them think about a situation from a different perspective. By the way, the quote below is from an amazing book, Living Fearless by Jamie Winship. Highly recommend!

“Truth always sets you free. Hiding truth always makes you a slave. If you will not tell the truth, you’re in bondage to the lie, the deception, and the rationalization.” – Living Fearless by Jamie Winship

Coach

As my professional life has advanced, I received my Financial Coaching certification and in my full-time Corporate America job, I am a Leadership Coach. You can learn more about financial health here, and you can read more about my experience with coaching in this post. Whether it be with writing or working one on one with others, the commonality is that I enjoy helping and connecting with people.

Career Confessions

Before I was able to climb the corporate ladder, I struggled mightily. A lot with anxiety. In my mid to late twenties, I went through some big life changes that included moving from a small town to a big city, combating severe anxiety, losing my mom, and divorce. I wrote a full series on my Career Confessions that you can read about here. I share tips about how I found new ways of working with anxiety, shifted my mindset, and slowly climbed the career ladder.

Wellbeing

Yes, writing about all those struggles makes me vulnerable. I hold the belief that we can learn from one another. Sharing helps us not feel alone or like we are the “only ones”. I listened to a podcast a long time ago that said we would not need therapists or counselors if we lived in good, healthy community because that good, healthy community would give us supportive and constructive feedback, come alongside the hard parts of life, share tools to help with life, etc. I believe that is true. The vast majority of us, though, live in isolation especially with today’s technology. And because of that, the need to be mindful and intentional with our wellbeing is paramount.

I’d love it if you’d join me as we learn about career, financial health, and overall wellbeing. Curiosity is key  in exploring differing perspectives…zooming out to see the big picture and zooming in to look at things more closely. It’s the push and pull of these vantage points that we can learn the most. Perspective Confessions is the source for inspiration for those who want to learn and grow. I am continually growing and learning; unearthing discoveries, and sharing truth or confessions I’ve learned along with the way from varying perspectives.. Perspective Confessions is about getting to the root of challenges as it relates to career, financial, and overall wellbeing and creating a toolbox of resources from what’s learned to equip you for the next step. If you want tools to manage your career and finances, value slowing down for a better quality of life, and aren’t afraid of being challenged; then you are in the right place.

If you know of someone that:

  • is struggling with their career,
  • struggles with anxiety or with big life changes,
  • wants to get their finances back on track,
  • wants to find a better balance in their life from the fast track, fast paced life they’re living, please share perspectiveconfessions.com with them!

And by all means, don’t miss any Perspective Confessions posts. Make sure you subscribe!

Financial Health, Career, and Wellbeing

Career Confessions from a Small Town Girl in the Big City: Introduction


In 2022, I wrote a series about my career journey for Tish County News. The series was inspired by an invitation. I was invited to speak to the Career and College Readiness classes and to the football team at my alma mater, Tishomingo County High School. The message I wanted to convey to those high school students wasn’t about my job and current life. It was about the journey that it had taken to get there. I was not and still do not have a high profile job or career. My life after high school took some ups and downs and winding roads. I wish someone could have given me the 30,000 foot view when I was in high school because I was experiencing it all at ground zero. It would have been helpful to have insights and perspectives along my journey after high school. The invitation to speak to high school students was a chance to fill in the gap I wish I’d had. Writing this series was another opportunity. I hope you will follow along for the next several weeks as the story unfolds. There will be tips and tidbits shared as I look back with the wisdom that only hindsight can bring. I’ll share what I would tell my younger self. Back then, I struggled with extreme anxiety. I had low self-esteem and low confidence. At times, I felt altogether lost. I walked through big life events like my mom’s passing, divorce, and multiple job changes. Now is a great time to subscribe if you haven’t done so yet. Don’t miss this series! It’s packed full of actionable insight no matter where you are along your career journey.

Subscribe Today!

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Pocket Money: What It Is and Why It Matters

In a recent post, I wrote about using “pocket money” for a special treat during the week. What is pocket money and why is it important? Pocket money is an amount of fun money set aside each month to use for special treats throughout the month. Pocket money can be in the form of cash you literally keep in your pocket or wallet to use for the month. Or it can be a line item in your money plan that you track to insure you spend the appropriate amount.

Do you enjoy a Starbucks coffee treat? Or maybe lunch with a friend? What about that pair of shoes you’ve been eyeing? Maybe there’s a gadget you’ve been thinking about that you’d like to try. Pocket money included in your monthly budget gives you permission to treat yourself to some fun during the month. Why is this important?

Utilizing intentional discipline with a money plan is hard. It’s intentionally flexing money muscles that may not be super strong yet. When you are working hard to save or pay off debt, it’s important to build in rewards along the way. Setting aside pocket money is a great reward system.

My husband and I set aside $100 for each of us every month. We get to spend $100 each on anything we want, no questions asked. Most of the time my $100 usually goes toward a Chick-fil-a run for an unsweetened tea with lemon. The Chick-fil-a run started during the pandemic as a way to intentionally get out of the house and see other humans. And it just kind of stuck. Here’s an example of what our pocket money looks like in our budget. We track ours electronically, however, there was a time where we used cash only for our fun money. The nice thing about cash, once it’s gone, it’s gone. You don’t have to question if you spent too much.

Pocket money has no strings attached with no guilt associated with however you choose to spend it. There are some guidelines to consider when figuring out how much pocket money you can afford.

1.     Do you have a money plan in place for the month? If you do, then you will know how much income you have minus all your expenses, bills, etc. When you know how much you are spending each month, you can determine what you can afford for pocket money.

2.     Pocket money is not a free for all spend category. It’s an intentional amount of fun money set aside determined by your money plan.

3.     Maybe you can only afford $10 of fun money for the month. That’s ok. Get creative with how you will make that money stretch! Be intentional. Hello, thrift store!

If you have money goals to pay off debt or to save; your fun money amount might be small for a time until you pay off that debt or meet your savings goal. The key is to keep going! And rewarding yourself is absolutely necessary to help you continue moving forward. Savor the fun that you can afford for now and keep your dream in mind of what your fun, pocket money will be once you meet your money goals. Be intentional!

How to Protect Your Money

This week, I witnessed an intentional act to save money. On Monday around lunchtime, I was waiting in the Chick-fil-a (CFA) drive thru for an unsweetened iced tea and noticed a CenterPoint Energy truck. Side note: My husband and I set aside pocket money each month. Pocket money is intentional money set aside to spend on whatever we would like. Mine is usually spent on unsweetened tea with lemon from CFA as a treat. I make unsweetened tea at home but sometimes it’s nice to have someone else make it! Back to the story. As I was waiting in line, I noticed a young man get out of the passenger side of the work truck and walk around to the opposite side. These work trucks have so many different compartments that house all kinds of tools. I watched him as he opened one of the compartments, removed a large bag, place it on top of the truck, and then proceed to pull out a microwave! A microwave? Yes, a microwave. This certainly piqued my curiosity! What was he doing with a microwave in a work truck? I watched him as he carried it to the tailgate of the truck and place it there. Next, he brought out a portable power station bank that he used to plug in the microwave.

It’s not everyday you see a plugged-in microwave on the back of a truck. But It wasn’t just the sight of it. It was an intentional act to save money. Did I mention I was in a Chick-fil-a drive thru line? The driver of the CenterPoint Energy truck walked inside the Chick-fil-a to get his lunch while his workmate dragged out a microwave and portable power station to heat up his lunch.

I might also mention that the street the work truck was parked on was positioned by not only the CFA, but also a Burger King, a Chipotle, and a Taco Bell. He could have walked to so many options, but instead he chose to make the extra effort with his microwaved lunch.

These are EXACTLY the actions it takes to win with your money.

1.        Have a strategy, such as your budget or money plan for the month.

2.        Know where your gaps are, such as spending too much on eating out

3.        Enable your defenders, such as bringing your lunch to work.

This young man was intentional with his time, energy, and effort. It will all pay off for the young man, especially if he continues these actions each day.

Eating out can be one of our biggest money gaps. Let’s compare a prepared meal at home to take for lunch versus eating out.

Let’s use an example of a pot of chili made at home. I’ve used this recipe many times and it is so good! It makes 6 servings. Plus, I’m adding in Jiffy Cornbread. Each ingredient I’ve included in my breakdown are all organic. Please note that this meal could be more cost effective if you source non-organic ingredients.

4 strips bacon, sliced ½-inch thick – Aldi – $2.20

1 ½ pounds ground beef – Aldi – grass fed beef – $9.86

1 medium yellow onion, diced – $0.37

1 green bell pepper, diced – $1.81

3 garlic cloves, minced – $0.18

2 tablespoon chili powder – $1.00

1 tablespoon cumin powder – $0.85

2 teaspoon paprika – $0.25

1 teaspoon dried oregano – $0.10

1 teaspoon salt – $0.02

2 tablespoon tomato paste – $0.73

1 (28-ounce can) fire roasted diced tomatoes – $3.10

1 (15-ounce can) black beans – $1.55

1 (15-ounce can) red kidney beans – $1.55

2 cups chicken bone broth – $2.59

1 bay leaf – $0.40

Jiffy Cornbread mix – $0.64

1 Egg – $0.57

½ cup milk – $0.30

Grand total: $28.07

Divided by 6 servings = $28.07/6 =$4.67 per serving of chili and cornbread

Given the quality ingredients used in the above recipe, let’s cost compare to a Chicken Burrito Bowl from Chipotle with a drink. See screenshot order below. $15.20 total for one meal

$15.20 – $4.67 = $10.53 in savings by making your food at home

If you change your behavior to making your lunch at home versus buying, you could save $10.53 per day or more. Weekly, that would be a savings of $52.65. Monthly, that would be a savings of $210.60. Yearly, that’s a savings of $2,527.20.

What would $2,527.20 extra this year do for your household? What would it pay off? What goal would that help you save toward?

How are you being intentional today with your money?