I'm a list girl. I make to-do lists, shopping lists, planning lists, lists of goals, wish lists, even lists referencing other lists.
One list that has been hugely instrumental in our journey to pay off our debt was one I made a couple of years ago, and periodically add to, edit and adjust. It's a wish list of sorts, a list of "extras" or things that we'd like to buy but need to save up for, both large and small.
Just like dieting without ever allowing yourself a treat will backfire, so it is with saving money. Sometimes a person needs to splurge a little to keep herself on track! So we plan for those splurges, and we save for those splurges. Instead of rushing out with a credit card in hand, we wait until the bills are all paid, all the necessities are taken care of, and we have the funds available. Waiting for something you want to buy makes you 1) be sure you really want to make that purchase. Sometimes things get crossed off the list before we get around to buying them, and 2) appreciate it so much more. Delayed gratification is indeed a powerful thing.
This week, we pooled some Christmas and birthday money and ordered a new telephoto lens for the camera, something that's been on the list for over a year. I can't wait to get it, try it out, and enjoy it... 100% guilt-free.
Yes, I love lists.