Own Your Jurney

Alright, let’s get serious, budgeting is not optional. If you don’t know exactly where your money is going, you’re basically handing it over to big corporations without even realizing it. And let’s be real: you work too hard to let your money disappear without a plan.

The biggest lie we tell ourselves? “I just need to make more money.” No. You need to manage the money you already have. Of course, increasing your income is great, but if your spending isn’t intentional, you’ll always feel like there’s never enough.

Where Is Your Money Actually Going?

Most people swear they “don’t spend that much,” but somehow, by the end of the month, their bank account looks like it just survived a battle. Here’s why:

Small purchases add up. That $6 coffee? That’s $180 a month, $2,160 a year—on coffee.

Impulse shopping is draining your bank account. You went to the store for toothpaste and left with three candles, a throw blanket, and some random kitchen gadget you’ll use twice.

Subscriptions are sneaky money traps. How many do you actually use?

Every time you buy something without thinking, you’re choosing momentary satisfaction over long-term financial security.

Sit Down and Budget—Every. Single. Month.

If you don’t have a plan, your money will disappear without you knowing where it went. That’s why you need a monthly budget meeting with yourself. Here’s what you do:

1️⃣ List Your Income – Write down exactly how much money you’re bringing in this month. No guessing—get real numbers.

2️⃣ Track Your Expenses – Bills, rent/mortgage, utilities—all the non-negotiable go here first.

3️⃣ Set a Grocery Budget – Instead of shopping on impulse, decide upfront how much you’ll spend on food per month. Then, split it by weeks to stay on track.

4️⃣ Plan Your Extras – Want to go out to eat? Get coffee? Fine, but decide how many times per month you can afford it without wrecking your budget. Make coffee a reward, not an everyday thing.

5️⃣ Save First, Spend Later – Before spending on anything fun, put money aside for emergencies, vacations, or big goals. Every. Single. Month.

Minimalism: Do You REALLY Need It?

Before you buy something, ask yourself:
Do I actually need this, or am I just buying out of habit?
Do I already have something similar that can do the job?
Will this add value to my life, or is it just taking up space?

Most of the things we buy end up shoved in a closet, collecting dust. And then we buy MORE stuff to organize all the things we don’t even use. Sound familiar?

Instead of accumulating things, focus on building wealth.

You Don’t Have to Spend Money to Enjoy Life

People act like spending money is the only way to have fun, but that’s just not true. Try these instead:

Go for a walk, hike, or bike ride (free and good for you).

Read a book (remember those?).

Have a picnic instead of going out to eat.

Start a side hustle instead of binge-watching Netflix.

Declutter your home instead of buying more things to fill it.

Challenge Yourself: No-Spend Month

If you want to break the spending cycle, challenge yourself to one month of buying only necessities. That means:

✔️ No random online shopping
✔️ No eating out unless it’s in your budget
✔️ No unnecessary Target runs (we know how that goes)

At the end of the month, reward yourself—maybe go out to eat or grab a nice coffee. But this time, you’ll be in control of your money, not the other way around.

Stop Giving Your Hard-Earned Money to Big Corporations

Every dollar you spend is a choice. Don’t let big companies decide where your money goes. You work hard for it—YOU decide how and where to spend it.

Think about it—how nice would it feel to check your bank account and see it growing instead of constantly wondering where your money went?

Budgeting isn’t about restriction. It’s about freedom. It’s about making sure that every dollar works for YOU, not just for the next impulse buy.

At the end of the day, you have two choices:

✔️ Spend without thinking and always feel broke
✔️ Be intentional, build wealth, and take control of your financial future

Your money. Your life. Make the right choice.