I'm working towards financial independence and thought it might be wise to but a barrier between myself and my finances when it comes to unconscious or emotional spending. This workflow aims to guide me when my willpower is compromised!
I thought maybe someone else might benefit from it so here it is if you want to use it:
https://www.icloud.com/shortcuts/7e06d02605ee4e35ba66528c80e64cb6
It guides through the following questions:
- Is it a want or a need?
- Is it a genuine need?
- Do I already have something similar?
- Could I get it 2nd hand?
- Is there a cheaper alternative?
- Would cheaper compromise quality?
- Can I actually afford it right now?
- Will it enhance my life?
- Do I need it right now or can it wait?
- Can I get it on sale?
Outputs are:
- Use what you already have
- Get it 2nd hand
- Save for it
- Get it on sale
- Don't buy it
- Buy it now
- Treat yo' self
I just thought of 1 adjustment which could include getting it on a payment plan but I think that's perhaps going away from the goal of financial independence so I won't bother adding it.
I'd love to hear if you find this useful! I've personally added a widget to my phone for easy access :)
Submitted April 09, 2022 at 12:53AM by litaliaa https://ift.tt/lfT29y3
