Because every dollar has a purpose
Have you ever stopped to ask why you spend money the way you do?
For a long time, I didn’t. I’d get a tempting marketing email, see a sale, or feel the urge to “treat myself” and just go for it—without really thinking it through. But over time, I realized my spending habits weren’t always aligned with what actually matters most to me.
The opposite is true too—when I do want to spend, understanding my values helps me feel confident in those decisions. For example, spending a lot on a meaningful family experience? That’s exactly what I value, and if it’s within our means, I feel good about it.
Money can be a tricky thing. You might feel guilty when you spend, or discouraged when you’re too strict. That’s why balance—and having a strong financial foundation—makes all the difference.
Step 1: Identifying My Core Values
At first, it was hard to name my values. But after sitting with the question a bit, some clear themes surfaced:
- I love learning
- I value having fun
- I cherish quality time with my family
- I care deeply about staying healthy
Once I named these, they became a compass for my financial decisions. When I’m tempted to buy something, I try to pause and ask:
Does this support one of my core values?
Take clothing, for example. I love fashion and can definitely get pulled in by a cute new piece or a good sale. But if I already have what I need, I ask myself:
- Does this help me learn something?
- Will it bring real joy or just a temporary thrill?
- Will it make our family life more meaningful?
- Is it supporting my health?
Most of the time, the answer is no. And that quick pause is usually all I need to hit delete instead of checkout.
Step 2: Knowing My Spending Triggers
Understanding my values helps—but knowing my spending triggers is just as important.
Here are a few of mine:
- Marketing emails (especially from favorite brands)
- Grocery shopping while hungry
- Changing seasons (something about a new season makes me crave a wardrobe refresh or home décor update)
- Feeling down — I sometimes turn to shopping as a pick-me-up
Recognizing these patterns helps me stay grounded. When I notice I’m vulnerable to one of these triggers, I try to redirect my energy. A walk, a podcast, or even just taking a moment to acknowledge why I feel the urge can help me move on without spending.
What This Means for You
You don’t need to be perfect. I’m certainly not. But connecting your spending to your values—and understanding your emotional triggers—can lead to more intentional choices and less buyer’s remorse.
So, what do you value? And what tends to tempt you off track? Start there.
Your money will follow your intentions.
Chic Money Life 
Leave a comment