Money Savers Exercise Book Bonus

Book Bonus for The Gifted Highly Sensitive Introvert

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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.

I work hard to prepare interesting and valuable information to support you to create a flourishing life, and I hope you find it to be helpful. Please respect my intellectual property and do not share these copyrighted materials with other people.

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Are you a Highly Sensitive Introvert? take the quiz.

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.

Complete the contact form to request a complimentary 10-minute get-acquainted phone chat to see if her services are a good fit for you.

Copyright 2018. Flourishing Love Press, LLC. All rights reserved.

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