I don’t want to have to be frugal.  I don’t want to count every penny that I spend, to restrict myself to only one coffee a week.  Or even worse (well, in my mind anyway), buy the inferior brand knowing it won’t last as long but I’m doing it because I’m restricting myself.

But on the flip side, I don’t want to cringe every month when the credit card statement arrives.  Or get that sinking feeling in the pit of my stomach at the thought of having to pay all that money because I over indulged – or because I felt entitled.

Or have the nagging feeling in the back of my mind that I’m not getting anywhere, I’m going backwards or my retirement fund just isn’t going to last as long as I do.

I am sure I am not alone in feeling like this.  There has to be a happy medium somewhere, being able to enjoy life today while knowing that you will be very comfortable in the future.

The good news is that you don’t have to be frugal

So how do we do it?

Well, it is all about having a plan and making distinct choices.  It’s about getting very clear on where you are now and where you want to be in the future.

Then putting a plan in place on how to get there (much like a road map), so you are making your own choices, not following someone else’s instruction.

Like every aspect of money, it is never as easy as it sounds.  It takes commitment, consistency, and yes, discipline as well.

In many ways, it’s like a jigsaw puzzle.  On rainy days, Dad and I would spend hours figuring out a jigsaw puzzle.  We would start by spreading out all the pieces, then hunt for the corners and build the outside edge first and then start filling in the middle.  Sometimes we would get several pieces that fitted together but we didn’t know where in the big picture they went.

We’d move them around, shuffling them from one side to the next until we had more of the puzzle done and it was obvious where they slotted into place.  There was always a huge sense of accomplishment when the last piece slotted in and the picture was complete.

Life is very much like a jigsaw puzzle.  The only difference is we may never finish it and just like a Wasgij, the picture we start out with may not be what we end up with.

To make it as complete as possible we need to start with our own corners, which are our values, our beliefs, our behaviours and our goals.  Aligning these four key areas will enable us to complete the framework for our lives (the outside edges) and as we move through our life, the middle of the puzzle will become clear.

Sometimes things won’t quite fit and we will go off track, but if we keep coming back to our four corners and our alignment the rest of the puzzle will fall into place.

What has all this got to do with not wanting to be frugal? 

Well, if you have your big picture plan, it makes it much easier to make choices that are going to lead you in the direction you want to go.  You will make your own decisions about how you want to spend your money, based on what is important to you.

It stops being all about ‘cutting expenses’ and ‘sacrificing’ and ‘feeling miserable’ and changing to a view of abundance.  “I am making these choices because I have a goal that is going to give me more pleasure and satisfaction than cups of coffee or a new jacket.”

If you have any questions around this or you would like to discover how you can change the way you think about your money, then drop us an email or click on this link to find a day and time that suits you to have a chat with us.  Best of all – it’s free!