There is a moment of clarity that comes with knowing, and finally accepting that your priorities have changes. There is a sense of peace, too. I don’t know about anyone else, but autumn is the beginning of the new year for me. It’s the time where I audit my life, my finances, and sometimes even, my relationships. Perhaps it’s the fact I was in school for the majority of my life, or perhaps that fall symbolizes shedding of old skin. Either way, autumn is that time of the year for me.
I find it healthy to do a deep dive into everything, because once you let something go, its going to be 3x as hard to get it back and clean it up. My closet is that hurdle for me. I normally clean everything out in the spring, and then switch my wardrobe around and pack away things in the fall, but with travelling and work, I neglected to do that this season.
That leaves me in an odd position where I know I have to do work, but the sheer amount of it is just too much. The other big thing that I do every fall, and I wholeheartedly believe that everyone needs to do, is taking a look at my bills AND my budgets. A quick glance at mine showed me that my priorities have shifted and some categories need to expanded while others need to be retracted. I look to see if I’m on track on my Christmas shopping, because let’s face it- it’s just around the corner!
This is also the perfect time to get a hold of all of the utility companies, and see what promotions are ending, and if there are any other deals available. I’ve said it before and I will say it again. CALL THEM ONCE A YEAR. You’re throwing away good money if you don’t. It’s not hard to ask for discounts.
The third thing I really try to pay attention to is getting my finances in order. By that I mean, making sure that my credit cards are paid in full, or I have a plan setup to do that, this is a great opportunity to look at a 12 Month Loans from Sterling UK if the interest rate is lower than my credit card. There are ways to be smart about money, and it doesn’t always have to come down to living without any indulgences.
I tend to let things slide in the summer; most people do. I pay less attention to the markets, and about how my investments are doing. The first sign of autumn kicks me into high gear. I research my everything that I’m interested in investing in, see if I can up my contributions etc. It’s not always all work and no play though.
This summer, I’ve realized that there are a few things that I really enjoy that cost a bit more than I normally spend. My clothing, makeup (although I rarely wear a full face), entertainment budget have increased, but not at the expense of my savings. My travel budget decreased significantly as Turkish Airlines was kind enough to cover our trip. I am not saying that this is a fun exercise for everyone. Heck, I hate it sometimes, too, but its worthwhile to know exactly where your life at, and that knowledge is power.