The Secret to Spending Less

Credit card in hand, salesperson by your side, you stared at the flatscreen TV you’ve been itching to buy for several months. There was nothing stopping you from nodding your head and saying, “I’ll take it!” But wait. There’s something that’s stopping you. It’s the secret you’ve learned from this article. It’s the secret that many people have forgotten. “ No . I think I’ll pass, thanks.” You decided to walk away from a killer deal – much to the disappointment of the salesperson – and hang on to your hard earned money. Why You Didn’t Buy It There could be many reasons you didn’t buy the flatscreen. A number of things could have been running through your mind. Before you walked into that store, you thought about: The emergency fund that has yet to be built. Your new baby that is due in a few short months. Bills that have to be paid, and debt that must be overcome. But none of these things actually stopped you from buying it. In a moment of passion as you stood there staring at the vastness of those pixels, even these major financial responsibilities weren’t enough to stop you in your tracks. The real reason you refused to purchase was simple. It’s the secret of your success. You uttered a word, small but powerful, that convinced you not to buy: “no.” That’s right, you said “no.” You said it even though your heart was saying “Yes.” You let out a preemptive “no” as a knee-jerk reaction to lusting after that 50-inch TV of wonder. It was an automatic behavioral reaction. Even before you had fully made up your mind, this response helped you convince yourself to make the right decision. How You Spent Less and Saved More So how did you do it? How did you end up spending less than you make? A number of things occurred to your conscience before you stepped foot on that showroom floor: You recognized that you’re tired of spending more than you make . This was the big one, the very first step in changing your ways. If you didn’t know you had a problem, you would’ve skipped reading this article long ago. You dreamt a dream of a better life. You knew that there must have been a better life out there for you, and focused on the future. You thought about all those things you wished you could do but couldn’t do yet. You taught yourself to say “no” when you wanted something you didn’t have. The powerful word not only reaffirmed to you that you didn’t need it, but kept you accountable with the salesperson – they heard you say “No” and believe you meant it! Tiny Word, Huge Results The word “no” has a powerful impact in your world. It did on the showroom floor, and will continue to in the future. Because you learned how to give a preemptive “no,” you will continue to save more money than you could possibly imagine. It’s almost as if you’ve learned how to strong-arm yourself out of a decision. Boundaries are important. There is something to be said of living a life of frugality, where your cares are little because what you own is little. By using that two-letter word, you keep boundaries between you and complication. It’s a tiny word, but it yields huge results. Congratulations. You’re one in a million. You’ve learned the power of saying no to yourself and others. You’re living within your means! You understand that sometimes you should say “yes,” but only when logic and rationality prevail. You found a way to live, not impulsively, but purposefully . You’ve identified your goals and learned the secret to spending less than the rest: by simply saying “No” more often. Do you have difficulty saying “no” sometimes? How do you keep yourself from overspending? Photo by

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