Frugal Living, The Beginning, Uncategorized, Zen Routines

Money Monday

Mondays are pretty pleasant. It took a lot to get here but I took baby steps. I don’t generally go to work on Mondays unless my home care company has a needed shift to fill. Most of my work is done on Friday and Saturday so when that dreaded Monday comes for everyone else, I can sit back and relax.

In the past, I didn’t structure my free time so my mind would take over and I would get everything from hyperactive projects to sadness to take up my time. I finally got smart and learned to structure my time a bit so that I get things done and yet rarely stress about any of it. Today, for example, is Money Monday.

Money Monday is pretty easy because we do these steps for a Zen Life 365:

1) Put everything possible on online autopay. Everything from the Mortgage, Credit Cards, Utilities, Solar, Car payment, and phone service is put on a payment schedule online so we plan well for our budget.

2) We don’t carry cash. This makes tracking easier and we are instantly accountable.

3) We use Google Drive (Linked to our family email) to build spreadsheets and store receipts so that each of us can view the expense record from anywhere.

4) Receipts are scanned with our TinyScanner app using our smartphones as soon as it’s in our hand. The rule is that we don’t leave the parking lot until it’s done.This work done right away means that we don’t have to worry about keeping physical receipts including the mess that goes with them.

5) Every Monday I sit down with a cup of tea in the afternoon and enter our expenses into our monthly spreadsheet. This takes just a couple of minutes because we prepped well enough and because we don’t spend nearly as much as we used to.

This year we have goals to pay off our credit cards and one of our vehicles. We are saving money by eating frugal vegan meals and by avoiding needless little shopping trips where we would be tempted to buy more than we need. Instead, we stocked up on what we need and have more time to spend at home as a family together.en

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