I told my husband
that we need to quit spending so much money. After reviewing our budget, I
realized that we spend unnecessarily. By my calculations, we could save a lot
of money if we quit impulse buying. We pay off our credit cards each month and
never carry a balance forward, but we are accumulating “stuff”. Stuff might
bring instant gratification, but in the long run doesn't move us forward.
I also looked at my
time budget. I waste a lot of time. I allow myself to DVR one show each night,
and watch them on Saturdays and Saturdays. DVR does save time since I fast
forward through commercials, and I usually feel like I've earned the right to
watch my shows because of all the other things I do.
This wouldn't be a
bad system, except for the fact that I find myself watching the shows that my
husband watches. He loves television and movies, so even if I'm trying to work
with headphones on, I am distracted. If I go into another room and hear my
husband laugh or react to what he’s watching, I want to know what's going on.
It’s hard not to waste
money and time. However, I find it much easier to control my monetary budget than
my time budget. I have self-discipline when it comes to money because I use direct
deposit to send money into a savings account, instead of relying on myself to
move the money from checking to savings. With my time budget, I can make to-do
lists and think that I am going to do everything for the gratification of
checking things off, but it's not automatic like direct deposit. I have to work
at keeping on task.
Even when I tell
myself I'm wasting time, it's hard to get back on track. But I'm going to try to
manage my time budget better because once it's gone, it's gone.