What gets you #Triggered?
Being financially responsible varies for everyone, especially since we all have our own triggers. That said, the first order of business in managing your finances is knowing what makes it hard for you to say no. What is something you buy often that probably isn’t essential? It’s probably the thing you have the most supply of, too! Perhaps it’s a big stack of books you still haven’t read, clothes that still have tags on them, those pairs of sneakers that only vary in color—or maybe that platinum membership to your favorite café nearby.
Identifying your trigger is the first step to dealing with financial responsibility like a boss!
Prepare for it
Now that you’ve figured out what you’re likely to fall for, the next thing to do is to prepare! You can start by putting yourself in an “I-already-have-that” position before facing your trigger. For those whose trigger is coffee, bring along a reusable tumbler and prepare your coffee before you leave home. That way, you’ll already have a cup of coffee and it will be pointless to buy another. If your trigger is a book, get yourself excited with what you still have to read until you can buy the next one! The trick here is to remind yourself of what you do have instead of thinking of what you don’t.
Believe me, you’ll find that you have so much more than you need!
Keep it within sight
By now, you’ve already found a way to say no a little more often to your triggers. But we know that even the best fall down sometimes. So let’s prepare for that!
A good tactic to have is to make sure you keep your goal within sight. You can do this by switching your phone’s wallpaper to something that will motivate you. You can put what you’re saving up for, the habit you’re trying to build, or a quote that motivates you to go for your dreams!
Doing this will serve as a constant reminder of what you already have, what you’re trying to achieve, and the reason you’re taking these steps.
If what you see is what you get, make sure you get nice things! You can search Pinterest for inspo!
Turn it into a game!
You can get out of your current financial habits the same way you got into them by creating new ones! Make financial responsibility extra fun and challenging by turning it into a game! Do this by double daring yourself into seeing your triggers as a reward.
Instead of thinking of them as a sacrifice, think of them as a reward! For example, for every 5 times you can say no to that purchase, treat yourself to one small thing that weekend. If you usually have coffee every day, give yourself a chance to splurge on a cup after saying no a couple of times.
Doing this will not only save you money but will also get you even more excited to have your favorites after missing out awhile. This way, it becomes extra special and you don’t have to feel deprived! That’s a win-win-win situation!
Tell a friend!
Every journey becomes extra fun with a friend around, and the road to financial responsibility is no different! Challenge a friend to do this with you, or tell a friend what you’re trying to achieve. Either way, telling someone you trust builds credibility on the task and accountability on the person (and that’s you!).
The moment you take this adventure as your own, there’s no telling how far you’ll go! Dare a friend and share your journey with us, we’ll be sure to cheer you on!
To see how being more financially responsible can change your life, check this out! Need more tips on money matters? We’ve got loads more to say on Financial Literacy tag! Learn to survive uni life better, too, by heading to our College Life section on the Edukasyon.ph blog.