How to Spend When Your Values & Income Don’t Align – EP 399

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Bills, bills, bills! Who loves paying bills when it holds us back on spending on the things we love and value? Well, it doesn’t always have to be that way! In this episode, Jen and Jill make space on being able to spend guilt free and prioritizing it on our values.

When you set your focus to one thing at a time, you achieve faster and you achieve things that are in direction on where you want to go.


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How To Prioritize Your Money Based On Where You Are In Your Financial Life

This article by Forbes lists a helpful way to prioritize your money based on your current income.

What Jen + Jill have to say:

Jill notes the significance of ensuring that financial decisions resonate with personal values and aspirations, emphasizing the foundational step of establishing an emergency fund for financial stability. The article suggests having $2,000 to $3,000 initially for your emergency fund and then expanding this fund as circumstances allow.

Identifying key financial priorities aligned with the 4 Fs: family, friendships, faith, and personal fulfillment is important in knowing your values to prioritize. Automation of savings contributions to a separate high-yield account like CIT would be a great idea. Jen did not see paying off debt as a requirement she needed to fulfill every time, but she uses it as a financial direction toward her family goals.

You Can't Do It All, So Prioritize Your Values

This article by Psychology Today talks about ways and reasons to prioritize values in general. It goes beyond financial values, but a human perspective on discovering and prioritizing values in life.

What Jen + Jill have to say:

Recognize that personal values intersect with financial decision-making. Jill suggests converting values into actionable tasks and categorizing them into work, relationships, and self-improvement, emphasizing the importance of timeboxing tasks to ensure progress. Jen agrees with taking the seasonal approach to life, setting time limits for achieving goals, and focusing on one goal at a time.

Is there a time you really wanted to spend but your finances wouldn’t allow it? What did you do?

Jill’s desire for adventure often clashed with financial limitations, prompting her to seek out creative and alternative ways to fulfill her desire for excitement. On the other hand, Jen found herself weighing the decision between a cruise, a more luxurious but costly option, and a less expensive getaway.

Bill of The Week

Thank you Amber for sharing your bill about your rent that went down by $6!

Thanks so Much for Listening!

Thanks so much for listening. We love love love reading your kind reviews and we especially loved this one from:

The perfect frugality podcast

Long time listener who still enjoys every new episode full of relevant tips on how to enjoy a frugal life whether as a single person or with a large family. Even when I think the episode’s subject won’t apply to me I always hear accessible tips with a bit of humor thrown in. I especially love the travel tips and meal planning episodes. Keep up the good work!

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