{"id":384,"date":"2020-04-15T16:00:55","date_gmt":"2020-04-15T16:00:55","guid":{"rendered":"https:\/\/moneywithkatie.com\/reprogramming-my-reward-system-800mo-in-savings\/"},"modified":"2025-09-05T19:52:50","modified_gmt":"2025-09-05T19:52:50","slug":"reprogramming-my-reward-system-800mo-in-savings","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/reprogramming-my-reward-system-800mo-in-savings\/","title":{"rendered":"Reprogramming my Reward System: $800\/mo. in Savings"},"content":{"rendered":"
\n

March 2019<\/h4>\n<\/div>\n

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\n

My initial gut instinct when beginning this post says a lot about the backbone of my financial well-being: instinctually, I went to pull up my Mint summary from the last few months.<\/p>\n

Mint serves as my financial accountability footprint. No expense is safe from its records\u2014it forces me to deal with every fiscal choice I make, line item by line item.<\/p>\n

It also serves as a fantastic tool for looking back to see how far I\u2019ve come and enables me to present an accurate picture of my last several months.<\/p>\n

There were two pivotal changes I made: one was a philosophical change, and the other was the tactical result of that psychological shift. (Is that cryptic enough for you?)<\/p>\n

First, my entire attitude around money changed. I\u2019d argue this is the single-most impactful shift\u2014more so than budgeting, investing, or earning more. None of those secondary habits will matter or stick around unless your attitude has fundamentally shifted.<\/p>\n

The impetus for this shift was a ChooseFI podcast interview with a woman known in the FIRE community as Mrs. Frugalwoods. It sounds suuuuper cheesy, and her story is pretty extreme, but\u2014philosophically\u2014her theories are really sound.<\/p>\n

Why? Because they drive straight to the impact money has on your happiness and wellbeing\u2014the LIFE beyond the spreadsheets and bank statements.<\/p>\n

She explained how she and her husband made plenty of money (so much so that they could afford to buy a house in Boston) but felt consistently tethered to the consumerism hamster wheel. As they made more, they spent more\u2014their lifestyles continued to creep further and further into the aspirational as their paychecks allowed for it.<\/p>\n

But working endlessly to fund a lifestyle they weren\u2019t even sure they wanted began to feel a little counterintuitive<\/strong>. Things that used to feel luxurious started to feel like the norm. They required more, bigger, and better to satisfy the reward centers in their brains, which\u2014you guessed it\u2014required more, bigger, and better money.<\/p>\n

\u200bI had always saved before listening to this podcast, but in an obligatory, reluctant way. I saved because I knew deep down I was supposed to be saving, but I did so begrudgingly. I resented the process.<\/p>\n

They say you\u2019re the culmination of the five people you hang out with most. So, if your friends don\u2019t talk about money (saving, investing, budgeting, planning), it stands to reason that it\u2019s likely not going to be top of mind for you, either.<\/p>\n

I never considered my lifestyle or spending habits to be frivolous before. They felt almost stereotypically normal\u2014I\u2019d buy lunch out once or twice a week, grab Starbucks every morning, go out for dinners and brunches all weekend\u2014I was simply saying \u201cyes\u201d whenever people asked, and not really thinking twice about it. I was mirroring the behavior around me.<\/p>\n

After all, I saw the amount coming in with every paycheck. That amount dwarfed whatever I\u2019d spend on a nice, no-reason sushi dinner on a Tuesday night. It didn\u2019t feel problematic\u2014it felt normal.<\/p>\n

My morning coffee habit didn\u2019t feel problematic, either. My $2.44 grande Pike Place roast was merely a non-negotiable part of my routine: something I deserved because I worked hard. Same goes for my $3.70 cold brew from the boutique coffee shop next to the Henderson Corepower when my morning started on that side of town.<\/p>\n

It was delicious and I liked it, but again\u2014it was something I felt I deserved because I had woken up at 6 a.m. to work out and was about to work for eight more hours.<\/p>\n

\u200bThis, my friends, is the trap.<\/p>\n

These seemingly harmless, normal expenditures were costing me more than I was willing to admit, and I\u2019m only able to see it now that I can look back on my monthly budgets six months ago and see just how much I was really wasting.<\/p>\n

But here\u2019s the kicker: it wasn\u2019t just costing me $600\/month in restaurant food. It cost me the ability to enjoy and appreciate little things, because my life was jam-packed with incredible little things\u2014and I hardly noticed<\/strong>.<\/p>\n

The guardrails in my budget were there: $400 on restaurants and bars, $250 on transportation, and $250 on groceries. Clearly, I had an intention of staying within budget (otherwise, why set budgets?).<\/p>\n

But somehow, some way, I managed to exceed each one by nearly $200.<\/p>\n

It\u2019s because I hadn\u2019t truly \u201cbought in\u201d yet.<\/p>\n

I realized how much more genuine enjoyment I could be deriving from some of these things if they were \u201ctreats\u201d I indulged in infrequently, vs. treated as components of my daily, normal routine that I “deserved.”<\/p>\n

Talk about an effective way to make your money go further\u2014you\u2019ll enjoy that $3.70 cold brew way<\/em> more if it\u2019s something you do as a reward, rather than a given. And<\/em> you\u2019ll be saving along the way.<\/p>\n

(I know I’ve talked about beauty maintenance in the same way before\u2014cutting out manicures and pedicures from my routine has saved me about $100\/mo. and had little to no measurable impact on my happiness. Now I just spend 15 minutes every few weeks hunched over my big toes on my bathroom floor painting them some varied shade of pink and call it a day.)<\/p>\n

It was after this little awakening (again, I attribute it to the Frugalwoods interview) that I began to set serious goals for myself and pay attention to just how cheaply I could live, if I earnestly tried.<\/p>\n

One example that sticks out most to me: over Christmas, I gave Ellie a flight home so we could fly back to Cincinnati together. As a gesture of gratitude, she gave me a $15 gift card to the aforementioned coffee shop.<\/p>\n

One Saturday morning, Thomas and I wanted to buy food for breakfast and the afternoon, so we went to Trader Joe\u2019s. We got cinnamon rolls, wine, cheese, a baguette, and meats (super well-rounded diet, clearly). The total was around $14.<\/p>\n

On the way home, we stopped to get coffees with the gift card (a treat, at this point). I got a coffee, Thomas got a tea, and I got him a breakfast taco. The total? $14.<\/p>\n

These seemingly \u201cequal\u201d purchases by dollar amount couldn\u2019t have been more different. In one case, we got food and alcohol for the entire day (and the next), and in the other, we effectively got 20 oz. of hot liquid and some scrambled egg in a tortilla.<\/p>\n

There\u2019s no way around it\u2014your money doesn\u2019t go nearly as far when you\u2019re eating out. (AND Trader Joe’s is a godsend.<\/p>\n

By then, I was sold on frugality as a better way<\/strong>. I was especially happy when I saw my bank account balances climbing far more quickly than they used to, and I knew I had to set a serious goal for myself: $50,000 in net worth by the time I turn 25 (about 11 months away, at the time).<\/p>\n

I could do the math\u2014I knew in order to meet the goal, I\u2019d have to trim my budgets down even more if I was going to expend each one fully every month.<\/p>\n

I adjusted the ones I had control over as follows:<\/p>\n

Rent + Utilities<\/strong> = Stayed the same at $1,015\/mo.
Restaurants & Bars<\/strong> = Dropped from $400\/mo. to $350\/mo.
Transportation<\/strong> = Dropped from $250\/mo. to $225\/mo.
Groceries<\/strong> = Stayed the same at $250\/mo.
Travel<\/strong> = Stayed the same at $200\/mo. (prioritization here\u2014travel matters more to me)
Personal Care\/Shopping<\/strong> = Dropped from $200\/mo. to $150\/mo.
Hobbies<\/strong> = Stayed the same at $140\/mo.<\/p>\n

Overall, I went from allowing myself $2,515 of spending per month to $2,330 of spending per month. I was genuinely apprehensive about whether or not I\u2019d be able to live within my new parameters, because up until December of last year, I was hundreds of dollars a month over the $2,515.<\/p>\n

I was consistently going over-budget every. Single. Month.<\/p>\n

But, to my astonishment, I\u2019m well-within my new budget. My budgets are all set to \u201crollover\u201d (so if I go over, that balance carries forward to the next month, and if I\u2019m under, that surplus carries over), so in some areas I\u2019ve noticed I\u2019m consistently under<\/em>-budget now.<\/p>\n

I am\u2014by far\u2014much prouder of this overview.<\/p>\n

Now, when I look at my overall picture (primary income, side hustle incomes, interest, and spending), I’m saving well over $1,000\/mo. of my take-home pay\u2014that doesn’t include the 401(k) contribution. I’d compare this to an earlier figure, but I honestly don’t know how much I was saving before. Probably closer to $300 or $400.<\/p>\n

The crazy thing is, my life doesn’t really feel any different\u2014except a little simpler, now that my routine isn’t punctuated by when I can swing through the Starbucks drive-through or get my gel manicure in.<\/p>\n

Looking back…<\/h4>\n

It’s hard to think about how I used to spend, because I know if I had taken the reigns sooner I could’ve blown past my goals by now. <\/p>\n

But it’s never too late to start. It’s also never too early to get a grip on the way you’re spending. Even though it may not be considered “normal,” it’s incredibly beneficial to be able to account for where every dollar is going<\/strong>.<\/p>\n

I look at it this way: I work 40 hours per week at my day job and 6-8 hours per week at my side job to bring home the bacon (admittedly, that’s not even that much work compared to my Millennial friends in fields like investment banking).<\/p>\n

Why in the hell would I squander it away on stuff that I don’t truly care about? I’ve found such an enhanced sense of enjoyment in my rarer restaurant meals. The occasional caf\u00e9 coffee. The Whole Foods green juice. <\/p>\n

And perhaps most importantly, now that I’ve got a lot of padding in my budgets, I’m able to guiltlessly take trips to places like Maui and buy ODESZA tickets on a whim because I know I’m $700 under<\/em>-budget for the month and have afforded myself that wiggle room<\/strong>.<\/p>\n

Nothing supplements your feelings of independence and control like having complete autonomy over your financial situation. Money is power, money is freedom, and money is a one-way ticket out of a bad situation (or to Maui). <\/p>\n

Even if you’re hundreds (in some cases, thousands) of dollars a month over-budget right now like I regularly<\/em> used to be, I encourage you to internalize this: it doesn’t have to be a source of stress or anxiety. It can be a source of peace and freedom. You’re in control, if you want to be.<\/p>\n

It won’t happen overnight, but it’ll happen faster than you think. How do I know? I’m on track to hit my $50,000 goal next month\u2014seven months ahead of a saving and investing schedule that felt impossibly fast when I set it up. I don’t say that to brag, but to illustrate how little changes can catapult you into a happier, more secure state of fiscal existence.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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