Are you ‘wish-cycling’?

Wish-cycling – putting items in a recycling bin when you’re not sure whether they are recyclable or not and just hoping for the best.

According to polls, two-thirds of us (in the UK) admit to being confused about what can and can’t go in the recycling bin.

This does not surprise me at all! I also get confused and there is a lot of misinformation out there that doesn’t make it any easier.

Every year, British households throw away 22 million tons of waste.

The European Union has a target of recycling 50% of that by 2020 but it’s unclear what targets will apply in the UK post-Brexit.

So, how does recycling actually work?

There are 450 councils, each with its own set of rules and regulations so in order to know exactly what your household can recycle, check out the gov website. Pop in your postcode to find a handy guide on what can and can’t be recycled where you live and when they collect.

After collection, items are sorted by machines at recycling centres which separate plastics, paper, aluminum, and other recyclables. These machines are quite complex and if something incorrect ends up in there, it can jam it or even cause it to break. Common culprits for this are soft plastics and small items like bottle tops. Once sorted, recycling centres sell on the materials for the next stage. If a batch is contaminated by something that can’t be recycled, the whole batch ends up in landfill.

Items that often end up in recycling bins but can’t actually be recycled

Pizza boxes – pizza boxes with grease on them can’t be recycled because the oil clogs the machines. However, if the box is just cardboard and has no plastic coating it can actually be put into compost.

Plastic bags – thin, soft plastics like plastic bags and films can get stuck in the machines and jam them. These need to go into landfill so are best avoided wherever possible.

Shredded paper – again, the pieces are too small and can get stuck in the machine. It is still important to shred documents with personal information so opt for paperless where possible so you have less to shred in the first place.

Receipts – most receipts are coated in plastic and contain BPAs. If they get added to recycling, the BPA can contaminate the other materials. Refuse receipts or ask if they can be emailed to you instead.

Bottle tops – bottle tops are too small for the machines to sort. Throw plastic ones in the regular bin and use an old can to collect metals one. Seal it up and put it in the recycling!

How are materials recycled?

Paper – Paper is separated into types and grades. It’s is then washed with soapy water to remove inks, plastic film, staples and glue and then mixed with water. The slurry is spread using large rollers into large thin sheets. The paper is left to dry, and then it is rolled up ready to be cut.

Glass – The glass is sorted by colour and washed to remove any impurities. Then it’s crushed and melted and moulded into new products. Glass does not degrade through the recycling process, so it can be recycled again and again.

Aluminium – In the treatment plant the aluminium is sorted and cleaned ready for reprocessing. It then goes through a re-melt process and turns into molten aluminium to remove coatings and inks that may be present. The aluminium is then made into large blocks called ingots. The ingots are sent to mills where they are rolled out.

Plastic – plastic is the most complex and problematic. While there are some advantages – it’s water resistant, durable – we are producing far too much ‘virgin’ plastic and not recycling enough of what is already in circulation. If you want to read in more detail about how it’s recycled, check out this website – https://www.bpf.co.uk/Sustainability/Plastics_Recycling.aspx

78 million tons of plastic packaging is produced every year!

Of that;

14% gets collected for recycling

2% gets recycled into new packaging

14% gets incinerated

40% goes to landfill

30% ends up polluting the enviornment

When plastics are taken to recycling centres, there are two options. Send to processers in the UK or export it to be “recycled’ overseas. There are subsidies in place which mean than plastic that stays in the UK must be sorted and the subsidy only applies to the recyclable materials. If the full batch is exported, the subsidy is paid for the full amount. The issue is, there is no guarantee that the exported materials it will actually be recycled. Importers of plastic, like China, then end up receiving low quality mixed bales that are totally useless to them and then end up sitting around for months of even years until they eventually get sent to landfill. It also inflates the recycling rates because everything exported is counted as recycled, even when it’s not. More info on the subsidy and exportation here.

What are the alternatives?

Terracycle

TerraCycle is an innovative recycling company that has become a global leader in recycling typically hard-to-recycle waste.TerraCycle was founded in 2001 by Tom Szaky, then a student at Princeton University, on a mission towards Eliminating the Idea of Waste®. From these humble beginnings TerraCycle has grown into the global leader in collecting and repurposing hard­-to-­recycle waste: operating in over 20 countries, engaging over 60 million people, and recycling billions of pieces of waste through various innovative platforms.

https://www.terracycle.com/en-GB/

With Terracycle, you can recycle things like contact lenses, bread bags (soft plastics) and crisp packets. You can use their post code search to find local public drop off points.

Lots of retailers now also have drop off points in store. Pop into your local Boots with your old contact lens packets and The Body Shop to recycle your old toiletry and cosmetic containers.

Ecobricks

An ecobrick is a building block made entirely from unrecyclable plastic. It’s created by filling a plastic bottle with clean, dry plastic until it’s packed tightly and can be used as a building block.

Ecobricks can be used in all sorts of sustainable building projects, which makes them a great way to dispose of plastic waste that would otherwise end up in landfill, and potentially, the ocean.

https://www.ecotricity.co.uk/news/news-archive/2019/what-is-an-ecobrick

Plastic is very durable and eco bricks make great building blocks that last and are also water resistant. Making ecobricks out of the non-recyclable plastic you collect is an amazing way to keep it out of landfill and be give new life in a really useful form.

My Top Tips

  • Embrace minimalism – buying less means less packaging and waste in the first place
  • Use less plastic and opt for materials that are easier to recycle like glass and metal
  • Upcycle/reuse as much as you can so that you don’t have to throw out as much
  • Make Eco bricks with unrecyclable plastic
  • Use Terracycle for hard to recycle items like crisp packets
  • Properly clean and separate everything you put in your recycling
  • Demand a better system – even if you do all the right things, millions of tons of waste is still out there causing havoc so the system has to be changed for the better. George Eustice was appointed Secretary of State for Environment, Food and Rural Affairs on 13 February 2020 – write to him and let him now what you think!

Follow – @PlasticFreeMermaid

Watch – Dirty Business

Join the “no-resolutions” movement.

You’re probably already seeing the same old shite you see every year on social media and on television centred around generic New Year’s Resolutions.

Lose the holiday weight! Stop drinking for January. New year, new me! 2020 is going to be the year I ……*enter generic resolution*

I’m not saying that any of these are a bad idea, particularly, but are they relevant for you? These are the things we tell ourselves we “should” do but they are so general not really tied to any long term goals. So often, this is why we “fail”. We join the gym because it’s January and we have been told to lose weight because we ate too much over Christmas and not because feeling stronger or faster will be beneficial to our overall wellbeing. 

I think there is a better way to plan for the year ahead and get what you want out of it.

Reflect

This time of year, in between Christmas and New Year, is a perfect time to check in with yourself and reflect.

In a world that seems increasingly chaotic and full of obstacles waiting to trip you up, it’s easy to feel lost and confused or like you are just sleepwalking through life. Life can get really overwhelming and Christmas especially can be a stressful time with expectations and comparisons at an all time high. So schedule in some “me time’ wherever you can manage to squeeze it in, turn off your phone and check in with yourself.

This can look like anything you like. You could take an evening to yourself and go all out; have a bath, light some candles, meditate and journal. Maybe you take a nice long walk and then sit in your favourite cafe with your notebook or your laptop. Whatever feels good for you, just carve out a day/half day/couple of hours to spend some time alone, reflect on the year and how you are feeling as we start a new one.

Use your alone time to look back on 2019 and ask yourself a few questions:

  • What went well this year?
  • What didn’t go so well?
  • What do you want more of?
  • What do you want less of?
  • What made you feel proud?
  • What are some of the best memories you made?

Visualise

Go way beyond 2020 and think about what your overall vision for your life is!

It’s easy to get caught up in the day to day and forget the big picture stuff so try to zoom out and think about your overall wants and needs. I love to do this visualisation exercise every year to really get me into the right frame of mind and thinking long term.

Close your eyes and think about the kind of life you want for yourself, the life you want to be living in five or 10 years’ time. 

  • Where are you? 
  • Who are you with? 
  • What kinds of things are you doing together?
  • What do you talk about?
  • What does your typical day look like? 
  • How do you spend your time?
  • What do you do for fun?
  • What is your environment like?
  • What gives you purpose?
  • What gives you personal satisfaction?

Write it down.

Now, think about what you need to do to be able to live that for real.

  • Do you need to earn more money?
  • Do you need to invest in your education?
  • Do you need to find more people who have the same hobbies as you?
  • Do you need to repair some relationships in your life?
  • Do you need a bigger support network?
  • Do you need to move to a bigger/smaller city?

When we set goals based on other people’s idea of what we should be doing, we find it harder to get motivated or stay on track and we feel bad about ourselves. When we set them based on our own specific needs and wants, we feel more confident, more motivated and are less likely to compare ourselves to anyone else. Your goals should be getting you closer to the life you want, not some arbitrary list of things you “should” be or have.

Take Action

Now that you have a handle on your long term goals, break those down into manageable short term objectives.

What do you need to have done by the end of the year? By summer? By the end January?

Is there something you can do today, right now, that will start you in the right direction? Maybe you want to do a course in a topic you are interested in. So, today you just take the simple step of searching some websites or colleges in your area that do this course. Then perhaps tomorrow you get in touch with them to ask about the application process. 

You might be thinking about getting back into a sport you used to love so you could start there. Find somewhere locally that you join a class or a club. 

It can be scary, at first, breaking your routine to do something new but it’s so worth it! You deserve it.

The end of the year is a nice time to reflect for most of us as work and life slow down for the holidays but it can also be a difficult time so don’t feel pressured to have or be anything in particular. I also like check in on my birthday or the anniversary of moving to London (or whatever city I’ve decided to uproot my life for at the time) because they are significant markers of time in my life as well. You don’t have to have your shit together just because it’s January! And you also don’t have to wait til Jan, just make a decision and start today.

Resources:

Listen: Conversation with YogaGirl – Rituals to Set New Years Resolutions https://www.yogagirl.com/podcast, Affirmation Pod – Motivation for your best 2020 http://traffic.libsyn.com/clean/affirmationpod/228_Motivation_for_Your_Best_2020.mp3?dest-id=291603

Watch: Lululemon Guided Visualisation –https://www.youtube.com/watch?v=3xM_Ztreqjg&feature=youtu.be 

Tis the season for sustainability

Fairy lights. The Rat Pack Christmas album.Endless boxes of chocolates. Regressing back to children at our parent’s house. Cosy PJs and Home Alone on the TV.

Christmas means different things to everyone but for most, it’s cosy and familiar and winds up mostly the same year after year.

It can be really challenging to rock the boat and suggest something different so for a lot of us who have been making more of an effort towards sustainability, the holiday season can be a bit nerve wracking.

For most of this list, it’s really helpful to ask yourself “do I buy/do/use this ‘just because’ or is it something that feels integral to this time of year for me?

Get rid of the “just becauses”! It will save you money and cut unnecessary waste.

For the rest, think creatively about how you can adapt them to keep what you like about them but without as much, or any, waste.

This is kind of a long one so grab yourself a mulled wine and a comfy seat!

We often feel under so much pressure this time of year to be at every party, wearing a new party outfit, eating and drinking and often with a pile gifts in tow. It’s can be a time of huge excess and over-consumption.

To help keep the waste, and expense, to a minimum here are some eco swaps and money saving ideas for the holiday season.

Tree

To understand the sustainability of our Christmas trees, this Solancha article suggests asking three important questions:

  • What are the inputs in your Christmas tree?
  • How long will those inputs last? In other words, for how long can you use that Christmas tree?
  • How will you dispose of your Christmas tree eventually?

Bearing this in mind, both real and artificial trees can be very unsustainable. The most eco-friendly thing you can do is create a tree from upcycled materials so if you are the crafty type this is the perfect time for you to get really creative. Check these out for inspiration – https://www.pinterest.co.uk/GreenEcoServices/upcycled-christmas/

Up to 8 million Christmas trees are bought every December in the UK alone. That’s a lot of intensive production, and potentially a lot of waste.Friends of the Earth

In order to mitigate some of the damage done by our carbon emissions, we need to plant more trees basically everywhere. They are also an important habitat for animals we need to protect for biodiversity. Cutting millions down every year just to put them in our living room for a few weeks, and then have them end up in landfill, has to stop.

Artificial trees may last for years but require lots of energy to produce and are just more plastic to dispose of. If you have one already, keep using it and take care of it – make it last as long as possible. If your situation mean artificial is the best option for whatever reason, you can try to buy a second-hand one on Schpock,  eBay  or Gumtree.

But all is not lost! If you, like me, love the smell of a real tree as one of the best things about Christmas then you will love this alternative options!

Tree rental – Get a pot-grown tree, water it and then send it back to be replanted in the tree farm for the following year. Genius!

https://www.londonchristmastreerental.com

Use (or grow) your own – If you gave garden space you can do the same thing at home by using or buying a tree with roots so you can grow it outside and use it again each year.

Tips for looking after them inside here – https://www.rhs.org.uk/advice/profile?pid=374

Presents

One of the most effective strategies for staying in budget when buying Christmas presents is to have a Sinking Fund which you spread out across the year and contribute to every month. When the season approaches, you use the savings to buy presents. 

Low Waste Gift Ideas:

  • Experiences – this is my personal favourite! It’s big bonus if it’s something you can do together because then you are also gifting them some quality time. 😊 Some other ideas are dinner, concert tickets, comedy event, a museum exhibit or a class in something they’ve always wanted to learn. Eventbrite is an excellent resource for events and classes and a whole range of prices as well for every budget.
  • Crafts – make something at home. Cookies, cakes, hot chocolate jar, homemade beauty products – you can decorate and personalise them as well to make them even more special.
  • For the coffee lover who you keep seeing with single use cups – Keep Cup (it’s also great for wine!)
  • S’well Bottle – some people are STILL buying plastic bottles. Gift them a beautiful reusable and they’ll never want to drink out of anything else.
  • Plants – who doesn’t love plants? They look amazing, clean the air and have a calming effect.

*I’m not being paid to recommend any of these, I just genuinely love them but I would absolutely accept payment if they offered!

Wrapping

I cringe when I see people ripping open wrapping paper and bits are strewn all over the floor. There are better options than single use wrapping paper.

Most of us love a bit of festive decoration and fancy wrapping, and who doesn’t like getting Christmas cards? But research suggests that the paper waste over the Christmas period is equivalent to 5-12 million litres of biofuel – enough to power a bus to go to the moon 20 times. – Friends of the Earth

  • Gift bags that get used over and over are the best. Re-use ones you’ve been gifted or invest in some you know can be reused. Avoid writing on the label so it looks as good as new.
  • Get creative – you can use magazine and newpapers to make gift bags or as wrapping paper. 
  • Please don’t buy any wrapping paper with glitter – it’s basically just a load of micro plastics! Besides, it’s impossible to stick anyway. 

Food

Tis the season of overindulgence. And obscene waste. It’s estimated that we waste up to 30% more at this time of year. Please, only buy food you intend to eat. 

  • Leftovers are always the best part.
  • If you have too much – freeze some portions to have later on.
  • Go veggie (or even better, vegan!)
  • Bake your own mince pies
  • Visit your local ‘zero-waste’ store for package-free chocolates and treats

For more on reducing food waste, see my previous post.

Booze

Mulled wine, baileys coffees, hot whiskeys. Mmmmmmm. Festive drinks are one of the best things about the season. Luckily, most alcohol comes in glass bottles so you don’t have to navigate a plastic minefield here!

To find some cheap deals, check out Approved food.

To reduce waste these are my top tips:

  • Try to buy organic
  • Repurpose or upcycle the bottles (Pinterest is your best friend here).
  • Make sure you recycle everything you can (class bottles, cans, recyclable plastic.

Clothes

Around this time of year, you will probably be inundated with emails and seeing ads everywhere for ‘party wear’. Have you ever noticed that it is the same stuff every single year? Sparkly and jewel colours, Every. Single. Year. 

Avoid falling into the trap of buying yet another dress basically the same as the ones you’ve bought every year. Here are some tactics you can try instead:

  • Buy from a charity shop.
  • Swap with a friend.
  • If you love the ones you have in your wardrobe – wear those!
  • Add some festive accessories to a basic black dress. 

Fast Fashion isn’t free, someone somewhere is paying the price – Lucy Siegle

The fashion industry is the second biggest producer of carbon emissions after fossel fuels! Avoid adding to the madness this Christmas.

Cards

According to research 1.5 BILLION Christmas cards are thrown away in the UK each year.

Save trees, and money by forgoing this tradition. Send an e card in stead or better yet, video call and wish them a Merry Christmas face to face!

A zer-waste, or even low-waste, Christmas will be hard! Christmas is a time to spend with family and not everyone is on the same wavelength as you so compromise is important and enjoying each others’ company is the priority. Do what you can to reduce your own waste, be patient with curious (or even judgemental!) enquiries and maybe next year you’ll see some of your loved ones taking a leaf out of your book!

We need to talk about food waste

Roughly one-third of the food we produce annually is never eaten.

Just let that sink in for a second.

As a society, we have become so disconnected from our food system that we have forgotten all of the resources that went into making it, at every stage, and getting it onto our plates that we have just stopped valuing it.

We use land and water to produce crops. They are transported to factories where they are processed. Then transported from there to be packaged. Finally, packaged items are transported to store. And then we end up throwing a third of it away. 

When you consider that between April 2018 and March 2019 a record 1.6m food bank parcels given to people in the UK (Trussell Trust), it’s obscene. 

Some more facts to shock and disgust you (if I have to be depressed about the state of the world, I’m taking you down with me!):

  • If wasted food were a country, it would be the third-largest producer of carbon dioxide.
  • Food waste generates about 3.3 BILLION tons of carbon dioxide.
  • The annual value of food wasted globally is $1 trillion, and it weighs 1.3 billion tonnes.
  • 25% of the world’s fresh water supply is used to grow food that is never eaten.
  • All the world’s nearly one billion hungry people could be fed on less than a quarter of the food that is wasted in the US, UK and Europe.
  • An area larger than China is used to grow food that is never eaten.
  • The average UK family is wasting nearly £60 a month by throwing away almost a whole meal a day – that’s £720 a year!

So where does it all go? 

Well, most of it just ends up in our regular bins and then in landfill. 

What happens to food waste in landfill? 

“Food waste is mostly organic material, composed of carbon, hydrogen, oxygen and nitrogen along with small amounts of some other elements. In a landfill, this organic material is buried and when this happens, microorganisms begin to break it down in a process known as ‘anaerobic digestion’. This is digestion in the absence of oxygen. The microorganisms derive energy from this to support their life cycle however as a by-product of this process, greenhouse gases (methane, carbon dioxide) are produced. If these gases are not captured they are released into the atmosphere. (https://disruptiveenvironmentalist.com/what-happens-to-food-waste-in-landfills-the-full-environmental-impact/)

The gas produced is 21 times worse than carbon dioxide!

It’s well and truly time to stop this madness so……what can you do?

The good news is that now you are aware of this problem, there are actually lots of things that you can do to reduce food waste.

My Top Tips

  1. Eat at home more – the restaurant business is a MASSIVE generator of wasted food. When you do eat out, only order what you can eat. If the portion is too big, take your leftovers home (and eat them!). 
  2. Grow your own food – this is not an option for everyone as it requires some space and time but if you do have a garden, home grown veggies taste incredible and work out so much cheaper than store bought. After seeing the effort that goes into producing just a handful of tomatoes or strawberries, you will have a newfound respect for food! Even if you don’t have a lot of space for vegetables, pretty much anyone can pot some herbs in your garden/balcony/kitchen so you have lovely fresh herbs to hand and you don’t need to go to the supermarket. Start with your favourite one and see how you get on.
  3. Store your food properly – a big part of why we throw food away is because we don’t store it properly and it spoils before it’s time. My favourite place for storage tips and kitchen “hacks” is Pinterest. There are so many amazing ideas there.
  4. Avoid a “big shop” if you tend to have a very busy schedule – did you know that bagged salad is one of the most thrown out items in British households? When I first heard that I wasn’t surprised at all and have thrown away many a sad bag of soggy leaves. I never know if I will have to work late, transport will be a disaster or last minute drinks with colleagues will come up so I only buy what I am going to cook in the next day or two to avoid forgetting what’s there and having to throw it out. 
  5. Use your freezer – If your fruit or vegetables are on the verge of going off, freeze them. Kale and spinach are great to have on hand for smoothies or curries for some extra nutrients. Frozen bananas make delicious vegan “nice cream“.
  6. “Rescue” food before it’s thrown away: there are lots of innovative programmes popping up in an attempt to collect and redistribute food that might otherwise go to waste.
    1. Olio – OLIO connects neighbours with each other and with local businesses so surplus food can be shared, not thrown away. This could be food nearing its sell-by date in local stores, spare home-grown vegetables, bread from your baker, or the groceries in your fridge when you go away. For your convenience, OLIO can also be used for non-food household items too.
    2. Karma – Karma is a Swedish startup founded in Stockholm, November 2016. The app connects surplus food from restaurants, cafes and grocery stores to consumers for a lower price. As a result, users eat great food for less and businesses receive an additional revenue stream — all while reducing food waste.
    3. Approved food – specialise in surplus and short-dated stock, food that is either near or just passed its ‘best before’ date – allowing us to pass on huge savings to our customers.
    4. Oddbox – “20-40% of produce in the UK is wasted before it even leaves the farms meaning a lot of unnecessary waste for the planet, a raw-deal for producers and a whole wonky world of missed opportunities for people like us to eat. Determined to battle food waste and give ugly, wonky veg a better, more beautiful future, they visited farms, talked to producers and came up with the idea for Oddbox. “
  7. Reduce your waste by using everything up: Read “More Plants, Less Waste” by Max La Manna for tips on using up everything amazing recipes and ideas for using up everything so there is less to throw away/compost in the first place
  8. Compost – Not every borough in London has a composting programme (10 boroughs don’t collect, 16 don’t collect from flats). If you don’t have composting in your area this is what you can do email your MP and the local council and request it. The more people who ask, the more pressure they will be under to provide it. Council tax is ridiculously high and this is exactly the kind of issue that councils were set up to tackly. To find out how to compost at home follow Amelia Barnes (@ameliakbarnes) on Instagram who has tons of information in her story highlights and on her website.
  9. Clean your recycling – Wash your plastic, cans etc before throwing them in the recycling bin to ensure no rotting food waste is left and causing gas to release as it decomposes.

Read: More Plants, Less Waste by Max Lamanna

Follow: @maxlamanna, @ameliakbarnes, @zerowastecook

So, you’re out of debt. What next?

I’ve been debt free now for 5 glorious months!

Surprisingly, I feel like that was probably the easy part. It took me about 18 months from when I decided get my shit together until I actually made the last credit card payment.

I forgot to to mention it in the last post but I used Dave Ramsey’s “Debt Snowball” https://www.daveramsey.com/blog/get-out-of-debt-with-the-debt-snowball-plan. It’s a really great method! Reaching each milestone was such amazing motivation.

Staying out of debt hasn’t been hard because not only do I have more money to play with than before, I also still remember the stress that came with it and I could never let myself go there again.

Saving, on the overhand, is proving a lot more challenging than I’d anticipated!

I’ve always been good at saving for travelling and stuff I want but I have a much harder time saving for things that are less tangible like emergencies or ‘rainy day’ savings or big things like a car, house or retirement.
My current savings goals are:

  1. Trip to Vancouver in July
  2. Full emergency fund of three months expenses
  3. A car
  4. Start saving for a house

Goal 1 is going really well for two reasons.

  • I fucking love travelling!
  • It has pretty clear ‘deadline’. If I don’t have the money by July, the trip can’t happen. And it’s definitely happening!

Goal 2 and 3, not so much. I’ve dipped into those pots a few times for non-essentials and am having a much harder time staying motivated. They feel a bit too big and too far away and also less exciting that a holiday or new clothes…..

Goal 4 honestly seems completely out of reach right now. And virtually impossible to make any real commitment towards. I am doing some research at the moment and trying to figure out my best option so this will definitely be a future post.

I’m a spender! I am an absolute sucker for new stuff. And while I’ve become a lot more conscious of the products I buy and where they come from, I still love spending. Instead of random fast fashion, I’m now splurging on house plants and rugs! Hello mid 30s!
I know my weak spots

  • Clothes
  • Food
  • House stuff

So, how do we stay focussed?

1.Use a ‘Zero-Based budget to ensure you’re saving as much as you can

2. Make is easy for yourself.
To get me into better habits, I’ve decided to automate my savings. They will now come straight out of my account a day or two after I get paid and go into an account I can’t easily access. Out of sight, out of mind!

3. Look at your balance
I can’t remember which podcast it was on it was but something the host said really resonated with me. Get used to and excited to see a big number in your bank account. I look at my bank account every morning and it does feel really good to see big numbers! I lived paycheck to paycheck my entire life and now I always have money in my account before payday.

4. Create some “rules” around your spending.
A good rule of thumb before purchases is to ask yourself a few questions. I love these from Money Saving Expert:

Skint? Ask:

  • Do I need it?
  • Can I afford it?

Not skint? Ask:

  • Will I use it?
  • Is it worth it?

5. If you really want it, earn extra money
Another tactic I use to stay on track with savings when I see something I really want to buy is to find a way to make some extra money to pay for it. Some of the ways to do this are similar to how to make extra money to throw at debts.

  • Have a clear out and see if you have anything worth selling
  • Use OhMyDosh to earn some extra cash
  • Get cashback – I’ve just signed up to Quidco to earn cashback on some of my purchases
  • See if you qualify for a “bank bribe” to switch your current account

Whether or not you can be bothered with the extra effort to find the money for something will tell you whether or not you really want it! It also helps to change your mindset when you have to work harder to get that shiny thing you saw and when you get it it feels so much more satisfying.

Lastly, if you do impulse buy you can return it! Don’t take the tags off right away. See if it really does “spark joy” and if not, take it back.

Changing your spending behaviours takes time and you will slip up. Don’t be too hard on yourself. Our relationship with money is deeply personal. It’s cultural. It’s gendered. It’s traditon.

We like to think we are rational beings, but we are more irrational than we realise. Advertisers know this. Marketing relies in behavioural science. They sell you a lifestyle, not a product. They tap into your emotions and insecurities and they are very, very good at it.

Keep an eye on those numbers, watch the debt decrease and the savings increase and your stress start to melt away.

Read: The Minimalists, Dave Ramsey
Listen: Money Girl’s Quick and Dirty Tips, So Money with Farnoosh Torabi
Follow: @FiscalFemme @TheMinmalists