Recently, I was walking with a friend who described how recent inflation has hit her family hard. She said that during the last week of the month, she and her husband are essentially out of spending money and have to be very intentional not to spend a penny. They contribute to savings and retirement accounts, and she mentioned she could reduce the amount they’re saving, but she doesn’t want to. So instead, she’s become extra frugal, especially toward the end of the month!
This is something I’m super familiar with. There have been lots of times when I’ve had spending freezes (both by choice AND by necessity), so I get it! Dave Ramsey used to have a term for this: having more month than money. It’s so relatable!
