Every day I have the opportunity to exercise my money-saving mindset muscle and today, for the second Friday in a row, was no exception when I said "no, thanks" to ordering a dessert for lunch from The Little Dessert Shop with my colleagues. Yes, they do look very tempting, but for £5-£6 a dessert, it's just not worth it to me. Does this mean that I never enjoy dessert? Nope. Does this mean that I never spend money on food from restaurants? Nope, in fact, I had dinner with my family at TGI Fridays this week.
But, due to the fact that I know that these desserts are made for pennies, I can make them myself at home for pennies and there's very little left in our "Eating Out" fund for the month due to eating out earlier in the week, I just replied "no, thanks" when I was asked if I wanted to order something with my colleagues. Besides, it was lunchtime, and I know that I would be hungry about an hour later with all that sugar, so I ate the beetroot burger and salad I brought from home instead.
What I couldn't help overhear were the comments made by a couple of my colleagues. One commented with a long face, "I really can't afford this this week, but oh well..." followed by another colleague saying, "That's why I use cash, so my husband doesn't know what I buy." What?!?! I wanted to get on my soapbox and start shouting, "What are you doing buying dessert that you can't afford and that you have to hide from your husband?!?!", but I resisted.
It's not about the dessert. My colleagues think my reason for not participating in buying a lunch-time dessert was about my trying to resist temptation. That was only a small part of it. It's about asking myself whether what I'm about to buy is really worth it. Can I honestly afford what I'm about to buy? Does it fit in my budget? For me, I answered "no" to these questions. I have learned over the years to ask myself these questions automatically pretty much every single time I make a purchase. Am I depriving myself of something? Maybe for a short time, but as Dave Ramsey will say, "It's short-term sacrifice for long-term gain". By asking myself these questions, I'm using my money-saving mindset to save for what I really want.