How to Be More Intentional
With Our Time and Money in Uncertain Times
Hey FAM! Happy March! In a world where everything seems to be getting more expensive, being intentional with our time and money has never been more important. With rising costs and economic uncertainty, it’s easy to feel overwhelmed. But by focusing on what truly matters and making conscious decisions, we can create a life that aligns with our values while maintaining financial stability and personal well-being.
1. Prioritize What Truly Matters
Before making financial or time commitments, take a step back and ask yourself: Does this align with my priorities? Make a list of what truly matters to you, whether it’s family, health, education, or personal growth. This will help you cut unnecessary spending and avoid wasting time on activities that don’t add value to your life. Here are a few ways to clarify your priorities:
Use the 80/20 Rule: Identify the 20% of activities and expenses that bring you the most value and focus on those.
Set Clear Goals: Define short-term and long-term goals to guide your decisions.
Create a Decision-Making Filter: Before committing, ask: Does this support my top priorities? Will this matter a year from now?
Track Where Your Time and Money Go: Keep a journal for a week to see patterns and adjust accordingly.
A well-planned budget isn’t about restriction—it’s about intention. Track your income and expenses, then allocate money based on your priorities. Use the 50/30/20 rule as a guideline: 50% for necessities, 30% for wants, and 20% for savings or debt repayment. If times are tight, adjust these percentages to focus on essentials and savings. Here are a few additional budgeting tips:
Automate Savings: Set up automatic transfers to savings or investment accounts to ensure consistent contributions.
Use a Budgeting App: Tools like Mint, YNAB, or a simple spreadsheet can help track spending habits.
Identify and Cut Unnecessary Expenses: Review subscriptions, dining out, or impulse purchases and eliminate what isn’t necessary.
Plan for Emergencies: Aim to build an emergency fund with at least three to six months’ worth of expenses.
Use the Envelope System: Allocate cash into different spending categories to stay within limits and avoid overspending.
3. Shop Smart and Save
Be strategic when making purchases:
Compare prices before buying.
Use cashback apps or loyalty programs.
Buy in bulk when it makes sense.
Opt for second-hand or refurbished items.
Meal plan and cook at home to cut food costs.
Check out some of our favorite ways to save HERE.
4. Be Intentional with Your Time
Time is just as valuable as money. Avoid overcommitting yourself to things that drain your energy. Instead, schedule time for activities that align with your goals, whether that’s learning a new skill, spending time with loved ones, or practicing self-care. Here are some ways to be more intentional with your time:
Set Boundaries: Learn to say no to commitments that don’t serve your priorities.
Use a Planner or Digital Calendar: Schedule your day to avoid wasted time and ensure balance.
Limit Social Media and Screen Time: Reduce distractions and free up time for meaningful activities.
Batch Similar Tasks Together: This increases efficiency and minimizes task-switching fatigue.
Take Breaks and Rest: Prioritize downtime to recharge and maintain productivity.
5. Embrace FREE Self-Care
Taking care of yourself doesn’t have to cost a dime. Here are some free self-care ideas:
Go for a walk in nature.
Practice meditation or deep breathing.
Read a book from your local library.
Write in a journal.
Have a DIY spa night at home.
Listen to your favorite music or podcast.
Declutter and organize your space for a sense of calm.
Try free online workout videos or yoga sessions.
6. Build Community and Support
Sometimes, the best resources are the people around us. Lean on your support network—family, friends, or community groups. Swap skills, trade services, or organize free social gatherings. Building strong connections can provide emotional and practical support without financial strain. Here are some ways to strengthen your community support:
Host a Skill Swap: Teach a friend something you’re good at in exchange for learning something new.
Join Local Community Groups: Engage in neighborhood activities, free meet-ups, or online groups to expand your support system.
Start a Free Resource Exchange: Share books, tools, or household items within your community instead of buying new.
Plan Potlucks Instead of Dining Out: Enjoy social gatherings without the high costs of restaurants.
Offer Help and Ask for Help When Needed: A strong community thrives when people support one another through both giving and receiving.
7. Practice Gratitude
A grateful mindset can shift your focus from what’s lacking to what you already have. Keep a gratitude journal, share appreciation with loved ones, or simply take a moment each day to reflect on the positives. Gratitude helps us feel richer without spending a penny. Here are a few ways to cultivate gratitude:
Start a Daily Gratitude Practice: Write down three things you’re grateful for each day.
Express Appreciation to Others: Send a thank-you note or tell someone how much you value them.
Reflect on Past Challenges: Recognize how far you’ve come and what you’ve learned.
Savor Small Moments: Pause and appreciate the simple joys in life, like a sunset or a kind word from a friend.
Reframe Negative Thoughts: Shift your focus from what’s missing to what’s already abundant in your life.
Being intentional with our time and money means making thoughtful choices that align with our values and long-term goals. Even in uncertain times, small steps toward mindful spending and time management can bring financial stability, peace, and fulfillment. Focus on what truly matters, and you’ll find abundance in the simplest moments.
How are you being intentional with your time and money during these times? Share your thoughts in the comments!
One last thing…
If you have ever wanted to self-publish or create your own planner, join us in our Book Biz Builder Workshop. Workshop will empower you to not only create a creative outlet but also help your family generate additional income. The memories and experiences you create through self-publishing will last a lifetime, and the skills you learn can open new doors.
Ready to get started? Visit this link HERE to register and begin your journey to becoming a published author!
In the meantime, slow down, be present, and let creativity flow—your next great adventure is just a journal away.
Thank you for being here and we look forward to so many more great newsletters, printables and connections in so please share with a friend!
xo, Kim
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