It’s pay day and what is the first thing you usually do?
What I do? It would just be killing time either in a coffee or tea shop, reading some magazine, surfing the net in my tablet while drinking my favorite tea or coffee. The feeling is very relaxing like there’s nothing to care about because I currently am enjoying what is at the moment.
But at the end of the day, the real burden comes to senses when you realize 10% of your salary has been actually subtracted from what… from just a whole afternoon doing nothing and sipping a drink. If your pay day comes in a bimonthly schedule, you are left with 90% to spend for the rest of 14 days. But what about the monthly dues? Electrical bill? Water? and so other?
What I suggest? How about spending your pay day in a different twist?
If you really want to spend the whole afternoon doing nothing then you can still do that but does it always be in a coffee shop wherein you can mindlessly spend fortunes for a cup of coffee and a snack to pair? I bet what you just really need is a place where there are tables and chairs. Am I right?
So what I did, since I already ate some cupcake while heading to the mall, all I just need is a drink to quench my thirst (needs vs wants: do i really need to pair my drink with a snack?). There were tables and chairs outside the grocery along the array of food and drinks stalls so it looks just the right place. I ordered a 20 buck small lemonade (needs vs wants: i always order large but i end up not finishing it so i ordered small instead). Then, the next thing to do? Budgeting your salary, the best way to save on pay day.
It’s not actually the act of doing it but on the process while doing it. Because while you are at the process of listing all the expenses, dues and so on, you get to be aware of what is really needed to be spent on. And by the time you are budgeting or dividing your salary to the following lists, you slowly feel guilty how you lavishly spend your money on useless stuffs thereby ending up spending less than what you usually spend on your pay day.
I was supposed to be eating dinner out but because I was aware of how much money is left, I decided to just go home to save on pay day.