Make It Hard!


“That’s what she said.” In all seriousness, you should make it hard to spend your money. One of my favorite stores is TJ Maxx. It wasn’t always one of my favorites. My husband’s grandmother would frequently find things for me and my husband at TJ Maxx, and I would say, “Well of course Nana could find something; she has nothing else to do but spend all day sifting through the store.” I used to hate going there because I felt that it was too difficult to navigate, and it took too long to find anything. Once I learned patience, though, I realized that I could buy amazing quality items for prices that were less than Wal-Mart or Target. That is definitely Financially Blonde! I frequently advise clients to try shopping at TJ Maxx, Marshall’s, or Nordstrom Rack, and I get the response that I used to provide, “It’s too difficult to shop there.” Well, that is the point. We should not make it easy on ourselves to spend our money. We work hard to accumulate it; however, with technology, there are so many opportunities that make it easy for us to spend it with online shopping, apps, Groupon, etc. I challenge you to make it hard for you to spend money. Instead of giving yourself an “easy” shopping experience where you can find your size and clothing style with speed and ease, try sifting through racks of clothes at TJ Maxx. It will not only take you longer to spend your money, but it is also a great work out too. If you are concerned that this may be too time consuming, then schedule the time for yourself (your wallet is worth it) or bring a friend and divide and conquer. You will be amazed at how much money you can save by just making it hard to spend it.

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Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.

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