Money Savers Exercise Book Bonus
Book Bonus for The Gifted Highly Sensitive Introvert
Do your spending habits make your dreams come true?
Your Name ___________________________________ Date ______________
When we want something, sometimes we don’t believe that we have the money for it. We may be surprised to discover that we actually do have the money.
When we spend money unconsciously, we don’t receive lasting value from our purchases. We could be directing “wasted” money towards manifesting our dreams.
Read the example below, and then list your expenses in the blank form below the example. Play with the numbers and decide how much money you want to save to make your dreams come true. Decide if you want to change your spending habits.
Do you have records of your spending so you can accurately fill in the blanks? If so, great. If you have not been recording your expenses, you can use estimates. Note: There may be a large gap between your estimates and actual expenditures. That’s why it is important to keep accurate records. Carry a small notebook and begin recording everything including cash for one month. It’s best to keep yearly records so you have an accurate average of monthly expenses. You can use an excel spreadsheet or a software program.
You’ll feel more secure and confident when you make decisions aligned with your core values.
Example
| Discretionary Spending Items | Current Monthly
Expense |
Changes I want to make | New Monthly Expense |
| Lunch 5 times a week x $6.00 = $30 per week x 4.3 weeks a month | $129 | Eat out 1x week + bring lunch | $40 |
| Two alcoholic drinks/week @ $7.00 ea.=$14 x 4.3 weeks per month | 60 | Delete drinks out | 0 |
| Latte or snack equivalent: $3.50 @ 5x per week x 4.3 weeks | 75 | Bring snacks to work | 20 |
| Two dinners out per week @ $20 each = $40 x 4.3 weeks per month | 172 | Dinner out 2 times/month | 40 |
| Entertainment: 2 movies per month @ $15.00 each. Concerts. Plays. | 30 | 1 movie per month | 15 |
| Clothes, handbags or other items that you really don’t need | 75 | Reduce shopping | 40 |
| Manicure, pedicure | 40 | Paint your own nails | 0 |
| Entertainment: Internet movies, cable, satellite TV, Sirius Radio | 110 | Entertainment | 30 |
| Cell phone options that are not needed (video games, etc.) | 10 | Reduce cell phone options | 5 |
| Misc.: Personal items, cosmetics, candles, household items | 40 | Personal & household items | 20 |
| Gifts: birthdays and special occasions (The average American spends $639 in December for the holidays.) | 85 | Reduce gift spending by making special gifts | 55 |
| Bank charges. Non-sufficient funds charges. Credit card charges. | 20 | Pay bills on time. | 0 |
| Habits & hobbies: cigarettes, dating, flowers, travel, girls’ night out | 154 | Habits and hobbies | 100 |
| Total expenses | $1,000 | $365 | |
| Total savings | xxx | Save $635 |
Now it’s your turn. Complete the form below.
| Discretionary Spending Items | Current Monthly
Expense |
Changes I want to make | New Monthly Expense |
| Lunch out | |||
| Alcoholic drinks | |||
| Latte or snacks | |||
| Dinners out | |||
| Entertainment: Internet movies, concerts, plays | |||
| Clothes, handbags or other items that you really don’t need | |||
| Manicure, pedicure | |||
| Entertainment: Internet movies, Cable, satellite TV, Sirius Radio | |||
| Cell phone options that are not needed (video games, etc.) | |||
| Misc.: Personal items, Cosmetics, candles, household items | |||
| Gifts: birthdays, holidays, special occasions (The average American spends $639 in December for the holidays) | |||
| Bank charges. Non-sufficient funds charges. Credit card charges. | |||
| Habits & hobbies: cigarettes, dating, flowers, travel, girls night out | |||
| Total Expenses | $ | $ | |
| Total Savings | xxx | Save $ |
What’s the definition of insanity? Doing the same things expecting to get different results.
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Author: Benita A. Esposito is a Licensed Professional Counselor in Georgia, and she also provides her services worldwide as a life coach and an ordained spiritual counselor via videoconferences. She earned a master’s degree in clinical psychology from Illinois State University in 1976. She sees adults—individuals and couple—in private sessions and in intensive retreats. Being a results-oriented person, she loves retreats the best because so much transformation occurs in such a short time.
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