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Tag: intentional

How to Protect Your Money

This week, I witnessed an intentional act to save money. On Monday around lunchtime, I was waiting in the Chick-fil-a (CFA) drive thru for an unsweetened iced tea and noticed a CenterPoint Energy truck. Side note: My husband and I set aside pocket money each month. Pocket money is intentional money set aside to spend on whatever we would like. Mine is usually spent on unsweetened tea with lemon from CFA as a treat. I make unsweetened tea at home but sometimes it’s nice to have someone else make it! Back to the story. As I was waiting in line, I noticed a young man get out of the passenger side of the work truck and walk around to the opposite side. These work trucks have so many different compartments that house all kinds of tools. I watched him as he opened one of the compartments, removed a large bag, place it on top of the truck, and then proceed to pull out a microwave! A microwave? Yes, a microwave. This certainly piqued my curiosity! What was he doing with a microwave in a work truck? I watched him as he carried it to the tailgate of the truck and place it there. Next, he brought out a portable power station bank that he used to plug in the microwave.

It’s not everyday you see a plugged-in microwave on the back of a truck. But It wasn’t just the sight of it. It was an intentional act to save money. Did I mention I was in a Chick-fil-a drive thru line? The driver of the CenterPoint Energy truck walked inside the Chick-fil-a to get his lunch while his workmate dragged out a microwave and portable power station to heat up his lunch.

I might also mention that the street the work truck was parked on was positioned by not only the CFA, but also a Burger King, a Chipotle, and a Taco Bell. He could have walked to so many options, but instead he chose to make the extra effort with his microwaved lunch.

These are EXACTLY the actions it takes to win with your money.

1.        Have a strategy, such as your budget or money plan for the month.

2.        Know where your gaps are, such as spending too much on eating out

3.        Enable your defenders, such as bringing your lunch to work.

This young man was intentional with his time, energy, and effort. It will all pay off for the young man, especially if he continues these actions each day.

Eating out can be one of our biggest money gaps. Let’s compare a prepared meal at home to take for lunch versus eating out.

Let’s use an example of a pot of chili made at home. I’ve used this recipe many times and it is so good! It makes 6 servings. Plus, I’m adding in Jiffy Cornbread. Each ingredient I’ve included in my breakdown are all organic. Please note that this meal could be more cost effective if you source non-organic ingredients.

4 strips bacon, sliced ½-inch thick – Aldi – $2.20

1 ½ pounds ground beef – Aldi – grass fed beef – $9.86

1 medium yellow onion, diced – $0.37

1 green bell pepper, diced – $1.81

3 garlic cloves, minced – $0.18

2 tablespoon chili powder – $1.00

1 tablespoon cumin powder – $0.85

2 teaspoon paprika – $0.25

1 teaspoon dried oregano – $0.10

1 teaspoon salt – $0.02

2 tablespoon tomato paste – $0.73

1 (28-ounce can) fire roasted diced tomatoes – $3.10

1 (15-ounce can) black beans – $1.55

1 (15-ounce can) red kidney beans – $1.55

2 cups chicken bone broth – $2.59

1 bay leaf – $0.40

Jiffy Cornbread mix – $0.64

1 Egg – $0.57

½ cup milk – $0.30

Grand total: $28.07

Divided by 6 servings = $28.07/6 =$4.67 per serving of chili and cornbread

Given the quality ingredients used in the above recipe, let’s cost compare to a Chicken Burrito Bowl from Chipotle with a drink. See screenshot order below. $15.20 total for one meal

$15.20 – $4.67 = $10.53 in savings by making your food at home

If you change your behavior to making your lunch at home versus buying, you could save $10.53 per day or more. Weekly, that would be a savings of $52.65. Monthly, that would be a savings of $210.60. Yearly, that’s a savings of $2,527.20.

What would $2,527.20 extra this year do for your household? What would it pay off? What goal would that help you save toward?

How are you being intentional today with your money?

Intentionally Aware

Our modern world 🌎 is so fast paced. The expectations are right here, right now, and on demand. Today’s modern life depicts that we can have anything and everything at the touch of a button 🔘. Consider Netflix with endless streaming options; or Amazon with a conveyor belt of products to your front door 🚪 with what your heart desires. Consider DoorDash making food options seem endless and easy. What’s wrong with having options at the touch of a button? On the surface, there’s nothing wrong with it. However, there’s a better question to ask instead: What are we missing?

How much time ⏱️ do you spend deciding what to watch on your streaming service? So. Many. Options. Anxiety creeps in about picking the wrong show or movie to watch because there might be something better if I just keep looking 👀. How much time do you spend binge watching a series? Has that box popped up on the screen asking “Are you still watching?” because the same show is still playing after watching 3 episodes. What are we missing?

Time. ⌛️

Time scrolling through too many options. Hours spent watching episode after episode. What else could you do with that time? Read a book, learn a new skill, study for a class, practice a hobby, pray, hang out with a friend or your spouse, volunteer. Are we intentionally making the decision of how we want to spend our time? Or are we allowing our time to slip away? ⌛️

What about shopping online with a business like Amazon? What are we missing?

Delayed gratification. Money. Social interactions.

Amazon is like a genie in a bottle. Make a wish for a product and it arrives lickity split except for that whole exchange of money 💵 thing. 2️⃣0️⃣ years ago, if I wanted a new shirt, I would have to plan when I would drive to the nearest mall. The next thought would be checking to see if there was a sale happening soon so my hard-earned money 💵 stretched further. I might have planned to go with a friend to make it a more enjoyable experience. 2️⃣0️⃣ years ago, I would intentionally plan when I would shop, how I would spend my money, and who I would bring along with me. All the planning and thought also meant I was delaying my gratification of getting a shirt right away. We say “no” to our children because it’s not healthy to have a piece of candy anytime they want it. Are we saying “n”o to ourselves often enough to ensure we have a healthy delayed gratification muscle? 💪

What about a service like DoorDash? What are we missing?

Cooking skills. Health. Money. Family heritage.

Beyond the excessive expense of the service, fast and processed food 🍕has eroded our health. Our bodies need nutrient dense foods 🥗. If we cooked more often at home, we would have better control of the ingredients we are putting in our bodies to nourish them well. Developing cooking skills are being limited by allowing restaurants to do it instead. Cooking is a major life and survival skill. There’s no need to be a Chef, however, everyone needs to know their way around a kitchen, how to plan a meal, and know where ingredients are in the grocery 🛒 store. What about your grandmother’s recipes 📝, something your mom or aunt always made? Is it possible that family heritage is slipping away without the knowledge, practice, and cooking skills to keep them going? Regardless, you are paying a hefty price 💲 for convenience.

Don’t get me wrong. I have a Netflix subscription, an Amazon Prime account, and I have DoorDashed on a rare occasion. These options aren’t wrong, however, it is VERY easy to slip into living your life on auto pilot. The endless scrolling, buying, and eating out because it’s easy. There’s a price 💲 to pay for convenience. There’s always a price!

One very valid argument is our busy, hectic schedules demand that we continue moving at lightening ⚡️ speed. I agree, our schedules aren’t slowing down and I would suggest using these options as measured 📏 conveniences. Measure them by being intentionally aware. Be intentional when you need to use them. Be intentional in the money 💵 you spend on convenience. Be intentional in what you are trading for your time ⌛️. Be intentional of how your decisions are impacting your health 🩺. Don’t lose yourself in the haze of busy and put your brain 🧠 on autopilot. Live the life you have to the fullest and intentionally choose what works best for you. Let’s be aware of what modern conveniences provide, how they can make our lives easier, and let’s also consider what we are missing or giving up by using them. Be intentionally intentional with your time ⌛️, money 💵, and health 🩺.