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21 May 2018

Try This Simple Trick to Get a Grip on Emotional Spending

Below Read More
by Shannon Marie

A unique twist on using YNAB’s memo field …

One of the things that I love most about YNAB is how customizable it is. The Four Rules and the software are there to support you, but they’re not pushy about what your budget looks like. Financial priorities should represent life goals, after all, so it’s entirely up to you to determine the perfect prescription for your success.

That flexibility often leads to creative budgeting tactics like, for example, one YNABer’s use of the memo field: recording, with the appropriate emoji, her mood at the time of her purchases.

Why Track Your Mood?

It might sound superfluous and strange to keep tabs on your mood in YNAB, but, in a world where marketers study our every spending habit, it couldn’t hurt to give them a run for your money by gathering and analyzing your spending data for yourself. Consider the following:

Whether or not we want to admit it, we’re emotional beings (and emotional consumers).

The Emoji Approach

So, let’s say you buy groceries to make a big dinner to celebrate a friend’s birthday. You put a smiley face in the memo field because it feels good to treat them. The next week, life throws you some punches. You hit the store, again, but this time you load up on comfort food for one. Sadly, it’s a sad face in the memo field.

Over time, your emojis become emotional breadcrumb trails that point you towards the real drivers behind your purchases. If you see that you’re likely to overspend on groceries when you’re upset, it’ll be easier to catch yourself before you make it to the cash register with a frozen pizza that you don’t really want. Rather than blowing your ‘Grocery’ category, your awareness of your spending habits gives you the chance to put the pizza back, and maybe take a walk, instead.

The Impact of Awareness

When you know what your spending triggers are, you have the power to change—you’re no longer doomed to repeat your ingrained habits! If you struggle to stick to your budget, maybe give this a try. The only thing you’ve got to lose is buyer’s remorse.

For more help, drop into our free, 20-minute, online class, Roll with Your Overspending. We’d love to answer your questions!

Related Articles

How I Slashed My Food Spending Once & For All

September 18, 2017 | by Erin Lowell

But What If You Just Love Spending Money?

December 15, 2017 | by Lindsey Burgess

Train Your Brain, Be Better at Budgeting

January 10, 2018 | by Shannon Marie

Your Next Step

Remember, budgeting is not restrictive. You won’t be spending less, you’ll be spending right. You can do this! Today. Right now. What do you have to lose? Except all that debt and stress. (Ok, so kind of a lot.)

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