I’m a frugal person, and I’m always looking for ways to cut expenses. I don’t buy my lunch, I never buy things in boxes at the grocery store, and I’ve started many frugal traditions with my friends. I believe that simplicity is one of the keys to happiness.
I think that many people, when they start to get serious about their finances, think that they have to sacrifice everything and sit on the floor in an unfinished studio apartment to save money. But that’s simply not the case. I think the key is to find cheap solutions to expensive habits that make you feel like you haven’t sacrificed anything. I’ve found that you need to treat yourself. Not because you deserve it (or anything else you told yourself when you were swiping your credit card with abandon) but because life is meant to be cherished. You’ve got to be happy. Because, believe me, if you’re not happy while you’re getting out of debt, the point in which you become debt free is not going to be your place of happiness.
So, reframe the issue. Turn the expensive habits into treats (which they should have been all along!) and you get to end the month with $400 more in your pocket.