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Save Money With Mindfulness

By Frugaling 11 Comments

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Photo: flickr/Stefan Rüdiger

I’m hungry. I’m thirsty. I’m tired.

Just breathe.

My mind is whirling with self-doubt and questions that I need answers to immediately. My day hasn’t gone as planned, and I’m not going to be able to get everything done. There’s a running dialogue – stream of consciousness – and it feels like it cannot stop.

Just breathe.

My heart’s racing on another caffeine trip. I didn’t get enough sleep last night and my mind’s wandering. Unfortunately, I didn’t pack a lunch, either (written prior to Buy Nothing Challenge!). Rather than the norm – guilt – I feel beat from the frugal life.

Frugaling is working. I’m maximizing my budget and minimizing debt. But sometimes, I question the foundation of saving. A monstrosity of nearly $40,000 in loan debt is boring into me. Sometimes progress is like watching grass grow. Ironically, it’s the little decisions that add up.

There’s a convenience store across from work. More than anything, I want to grab a pack of Twizzlers or maybe a donut. It’s what I crave; weird, I know. Sugar and empty calories. There’s seemingly nothing better when you’re training for a marathon. In these moments of reflection, it takes serious willpower, prevention, and mindfulness to trump the convenience.

Writing these lines makes my mouth water in anticipation. Can I please have it? I’ve been working hard all day. I almost feel like I deserve that food. What’s the harm? It’s only $1.99!

Over the last year or so I’ve tried to insert a more meditative, mindful approach to my daily routine. Mindfulness is about really being present and in the moment with the world around you. It comes in handy when I’m hungry, cranky, and tired. I’m better able to feel the emotions, while also realizing they’re just that. Instead of simply stating, “I’m hungry,” I think, “I’m having thoughts of hunger.” Emotions are an endless stock ticker through the head. Changing the shape of your thoughts can powerfully distance yourself from your cravings.

Mindfulness meditation can be immensely powerful at circumventing the normal bustle; yet, in training, it’s frustrating and challenging. As I try to calm my mind, it frequently seems to run rampant and uncontrolled. I breathe again.

Recently, the New York Times featured the power of meditation in developing deeper empathy:

The next time you meditate, know that you’re not just benefiting yourself, you’re also benefiting your neighbors, community members and as-yet-unknown strangers by increasing the odds that you’ll feel their pain when the time comes, and act to lessen it as well.

Meditation and mindfulness don’t just benefit others, though. By becoming more self-aware and awake, it’s easier to save money. Suddenly rash purchases and conceptualized needs don’t seem as important. You can be present for more purchases and better establish the desires versus wants to save money.

As I left work, I peacefully walked by the convenience store; without those red, tempting Twizzlers and $2 richer.

Just breathe.

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Filed Under: Save Money Tagged With: Breathe, Buddha, Craving, Food, Frugal, Meditation, Mind, Mindfulness, Monitor, Save Money

Comments

  1. Ryan Hart says

    July 15, 2013 at 9:28 am

    Stick with it 🙂

    Reply
    • Sam says

      July 15, 2013 at 3:42 pm

      Thanks Ryan!

      Reply
  2. Nick (@ayoungpro) says

    July 15, 2013 at 11:35 am

    You have stumbled upon the key of this whole Personal Finance thing Sam. Mindfulness breeds intentionality, and acting with intention is the key to money success. Seriously, as soon as you step into the driver’s seat and start owning your money, instead of letting it own you, things just start working out for the better. That is how I got out of debt and how I am now accumulating wealth. Rock on and good luck.

    Reply
    • Sam says

      July 15, 2013 at 3:23 pm

      Nick,

      Thanks for the encouragement, sir! Yes, this intentionality has been an important piece of the puzzle for me.

      Being mindful and meditative can help with all walks of life. 🙂

      -S.

      Reply
  3. Stefanie @ thebrokeandbeautifullife says

    November 23, 2013 at 2:00 pm

    You’re stronger than I am. If I’m really struggling, I’ll indulge myself. (Hopefully not too often though).

    Reply
    • Sam Lustgarten says

      November 23, 2013 at 2:38 pm

      Stefanie,

      Really appreciate your comment. I don’t know if I look at it as strength. I slip up to. I guess it’s about looking at emotions as they are – just emotions. How will they motivate you? What will you do with them?

      Thanks for your comment,
      Sam

      Reply
  4. Kathy says

    November 23, 2013 at 6:05 pm

    Caffeine (especially chocolate) has always been a problem for me. I get all kinds of side effects (I won’t bore you all with the details). I’m now on Day 26 (again) off the stuff. It took a lot of mindfulness (not to mention awful withdrawal symptoms), but by the third week, I finally feel like I’m gaining ground health-wise. Your articles are really inspiring, Sam. I hope when you go to sleep at night, you know how much you matter to your readers. God Bless you always! 🙂

    Reply
    • Sam Lustgarten says

      November 24, 2013 at 1:48 am

      Kathy,

      Congrats on your efforts with caffeine. It’s a tough one.

      Thanks for your exceptionally kind words. 🙂

      Sam

      Reply
  5. Syed says

    November 24, 2013 at 4:44 pm

    I have always believed being present in the moment is the key to happiness. While most people go through the motions of work and home life while dreaming of a better future, being present in what you’re doing and keeping an eye to the future at the same time is the key to enjoying life and keep on going. Great post Sam.

    Reply
    • Sam Lustgarten says

      November 25, 2013 at 3:12 am

      Syed,

      You’re exactly right, sir. Being present and in the moment will make you a better person, employee, family member, friend, etc.

      Thanks for your comment,
      Sam

      Reply
  6. Money Saving says

    December 4, 2013 at 2:52 pm

    Here’s a trick if you commute to work my vehicle. Leave all of your credit cards and most of your cash at home. Take one emergency credit card and $20 and lock it up in your glove compartment. Your purse/wallet should have absolutely no money in it at all. This way, it’s impossible to spend any money on the crap stuff you really don’t need anyway 🙂 Plus, you still have it there for emergencies if needed.

    Reply

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