One purchase, one tree

Arhaus_onepurchase_onetree_mm (1)

The team at Arhaus got in touch to invite me to contribute to a graphic they were developing (pictured) which includes ways to make our homes more environmentally friendly. Spot the community tip!

Eco-minimalism

A concern for the environment is one of the reasons why people choose to live a more intentional life. We’ve talked about sustainability on the blog before:

You might remember Cheryl Magyar’s helpful great piece on reducing everyday disposables. My own recent post on why second hand should become second nature also sparked some great comments.

We all need to consider if what we buy is promoting sustainability or contributing negatively to the environment (especially if what we buy is replacing something we already own).

One purchase, one tree

I liked the idea of a store planting a tree for every purchase. I wonder if you know of other organisations who do this?

Plant a tree anyway

This reminded me that planting a tree is a lovely way to give a “non-stuff” gift. When my twin godsons were christened, the godparents got together and planted a pair of trees on their behalf. As the trees grew, so would the boys (indeed, the twins are now 9 and shooting up!).

During the year in which my husband Andrew turned 50, he also planted a tree in memory of my late grandmother who died during the month after his birthday. I think that’s a lovely memorial and an appropriate way to remember a long life, well-lived. W

When might you plant a tree?

Have you ever planted a tree, or supported a tree-planting scheme? And what sort of purchase (especially for the home) might prompt you to do this in the future? I’d love to know if this idea appeals to you.


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)


Do this for your future self

B58951E0-E03C-4BC8-846B-290FB68474EB

As long as I can remember, we have cleaned our home on a Friday evening. Yes, I know what you are thinking. Our Friday nights aren’t exactly rock ‘n’ roll. And I’d certainly prefer to be out on a SUP on the ocean, as the sun goes down.

But here’s the thing. Cleaning on a Friday evening means that we come downstairs on a Saturday morning to surfaces that are clean and shiny, with everything looking as good as it can.

Our weekly ritual 

This weekly ritual, which is aided by the fact that I am able to finish work at 4 p.m. on the final working day of the week, has become a part of our family routine.

Sometimes, if we are really exhausted, we’ll do some of the cleaning on a Saturday morning. But the point of this habit means that our future selves (in this case, our ‘next day selves’) are always glad when we’ve done it.

Doing something for your future self is incredibly rewarding, but it does – of course – mean applying discipline at the time.

Applying self-discipline

Consider something like exam preparation and revision. This is particularly close to our hearts, as our daughter’s GCSE examinations are now only a few short months away. When the pull of friends caused a conflict in her mind one Sunday afternoon recently (when she hadn’t completed all of her work), we gently reminded her that her future self would thank her for the extra effort she devoted in the present.

Paying it forward… for yourself

The same applies to many areas of our lives such as weight loss and fitness; saving (or not spending); and even decluttering and creating space in our lives.

I have written before about overcoming inertia, but the idea of doing something for your future self provides a little bit of extra motivation.

But how to get started, if you’re a long way from where your future self would like to be?

Ten top tips

If the goal is to get on top of the clutter once and for all, consider these top tips. Of course, they also apply to other goals you might have established:

1. Start small. As I wrote for my article published on Becoming Minimalist, start with somewhere like your closet. A wardrobe is akin to having a ‘room within a room’. Opening up that space and seeing all the clothes you love (arranged beautifully on hangers if that’s your thing) will spur you on.

2. Get an accountability partner or even employ a personal organiser. You could join an online group, such my Minimalism and Simple Living group in Better, to chat to others who are facing the same challenges as you.

3. Make it fun. Try one of the strategies I wrote about in my Unclutter series last year. Lots of people take photos of their ‘minimalism game’ hauls, as they progress through the 31-day challenge.

4. Make a mood board (either actual or virtual) to inspire you towards a simpler, less-cluttered home. Display it somewhere you can see for daily inspiration.

5. Take inspiration from some of the best-known writers, bloggers and podcasters on the subject (see my Community Resources page if you’ve signed up – Join the Community below. I listen to a podcast daily, as I travel into work. Hearing a solid, consistent message on a topic that you’re interested in enables you to educate yourself and provides inspiration to help you remain focussed on your goals.

6. Do good, feel good. Remember that, by removing the excess in your own life, you may enrich the lives of others by providing them with an opportunity to enjoy somethibng

7. Give yourself a deadline or a series of mini milestones. If you know someone is coming round to collect a bag of clothing, for example, you’re more likely to have it ready for them.

8. Promise yourself a treat when you’ve completed a particular goal, such as a good cup of coffee at your favourite cafe or a browse in the library.

9. Take baby steps. Any bit of progress is a step towards your goal, no matter how small.

10. Let go of perfect. You may not achieve a 100% clutter-free space (especially as you can’t declutter other people’s stuff) but you will reap the benefits, no matter how far towards your ideal state you get.

Just remember, your future self will thank you.

So, what will you choose to do today?


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)


Why buying second hand should be second nature

dress-306334_1280.png

For a number of years, my wardrobe has comprised around 50% secondhand clothing and 50% items that I have intentionally bought in the sale of brands I trust. Rarely do I buy clothing that is full price.

Since I follow the Project 333 approach, that’s roughly 16 items ‘new’ and 16 or so ‘second hand’ altogether. It’s more than enough and buying second hand is such a good thing to do.

Here’s why:

Second hand offers great value for money

Buying second hand a great way to buy what you need at a fraction of the cost of what the item would have cost new.

One of my more recent second hand purchases was a gently-worn and perfect-fitting brown suede skirt from Monsoon. It cost just £8. To go with that, I picked up a Mint Velvet cowl neck knit for just £1.66.

My most recent acquisition, which inspired this post, is a little black dress by Coast. I’ll wear this for a work-related ‘do’ in early March. It cost just £9.99 from eBay and I’m currently watching a co-ordinating pair of shoes whose starting price is £3.99. My whole outfit is likely to cost less than £15 overall. I had recently sold a number of dresses myself, so the direct cost of this purchase was far less than the actual sale price. Plus, I’m sticking to my principles of one in, one out.

Pre-loved is better for the environment

My heart sinks whenever I enter a store selling ‘fast fashion’. Like me, my teenage daughter’s on the lookout for value for money, but she’s far less likely to buy second hand. Whenever I enter one of these high street stores (which, mercifully, is seldom), I’m struck by the vast quantity of merchandise which, on closer inspection, often seems flimsy and of poor quality. We all know that the world has reached ‘peak clothes’ so it’s especially important to be intentional when we buy. What better way to signal that we care about the environment by doing so via what we wear? 

Gently worn supports great causes

We often moan that today’s high street consists mainly of coffee shops, estate agents, hairdressers and charity shops. Yet, we often fail to recognise the important contribution charity shops make to the causes they serve.

Writer and friend, Rae Ritchie,  is fashion ambassador to Myton Hospices Charity Shops. Not only do these shops offer great value for money, they’re supporting a much valued local cause.

To give you a sense of their importance, Rae explains: “Myton Hospices require £8.8 million per year to fund their vital end of life care at three hospices in Coventry and Warwickshire. Their 22 stores play an important role in raising that money.”

In terms of fashion finds, Rae tells me that Myton’s Coundon store currently has some Vivienne Westwood shoes. Her own recent buys have included a vintage leather handbag, some barely used yoga pants and a denim tunic that is being continually washed and worn!

Second hand is not second best

For kids (who grow so quickly you can almost see them sprouting upwards), second hand clothes are absolutely fabulous and definitely not second best.

When our daughter was tiny, we used to buy all her clothes from the NCT Nearly New Sale. As her mummy, I loved putting all the cute little outfits together, but never had to be overly anxious about anything she wore; nothing cost more than a couple of pounds.

Once you’re fully grown (and assuming you maintain a stable weight and size), it’s wonderful to be able to buy second hand clothing online, as you know what’s going to fit. Most brands are fairly reliable in terms of sizing, so you can bid and buy with relative confidence.

Where to buy

Fargo Village in Coventry is the perfect place to meet up with friends, enjoy a coffee and a browse in the Big Comfy Bookshop. While there, nip into Myton Fargo Village, Myton Hospice’s very cool and carefully curated charity shop (and you can get a sense of their one-off bargains by checking out their Instagram account).

Dress agencies are another way to find beautiful gently-worn clothes at great prices. I used to love Corina Corina in Warwick, as well as the aptly-named Savoir Faire in Kenilworth. Anyone remember them? Sadly, they’re no longer trading, but there are lots of alternatives, notably in Leamington Spa and Solihull.

Top tip: dress agencies only keep stock for a certain period of time. Once an item remains unsold after a number of weeks, it is either returned to its owner or passed to a local charity shop.

Here in the UK, eBay sales of second hand clothes are booming. I’ve both bought and sold over the years. Here’s where your knowledge of what fits really comes into its own; I know that a Phase Eight Size 10 is a pretty good bet if I’m buying a dress, for example.

Local Facebook groups are often great sources of second hand clothes, especially kids’ bundles. For buyers, there’s the nuisance factor of having to go and collect, but it’s free for both buyers and sellers, so there’s often a good deal to be had.

Let buying second hand become second nature

So, let buying second hand become second nature. You’ll be glad you did.


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)


 

Why we should declutter our ‘to do’ lists

to-do-2607082_1920

For someone (like me) who is extremely task driven, ticking items off my ‘to do’ list delivers a feeling of satisfaction and achievement. Be they work tasks or household chores, that literal or virtual “tick” against each item infers productivity, usefulness and a sense of moving forward. Right?

In today’s society, being goal-oriented is usually something to be admired. If we have goals and targets, we know where we’re heading. Even better, breaking down larger projects into manageable chunks makes a larger or audacious goal more attainable.

We’ve all heard the old joke:

How to you eat an elephant? One bite at a time…..

Productivity addicts

What happens, though, if we allows this ‘productivity mindset’ to seep into every aspect of our lives? What if every day becomes a 24/7 ‘to do’ list?

I’m currently reading Tiffany Dufu’s Drop the Ball. It’s a book I’d resisted for a while, as I felt uncomfortable with its key tenet: that women were shouldering more of the domestic burden than men and that, to redress the balance, women needed to ‘drop the ball’. Nonetheless, I was intrigued. Plus, Warwickshire libraries delivered the e-book version to me in the click of a button so here we are. I haven’t finished it yet, so don’t tell me how it ends!

Jot it all down

In Chapter 5, Dufu addresses the issue of the never-ending ‘to do’ list. She describes a coaching exercise she leads in which she asks women to jot down every single thing they expect to achieve in the coming 24 hour period. That includes every achievement, no matter how small, such as making breakfast or scheduling an appointment.

Before you read on, you may like to try this.

Participants are then invited to do the maths to calculate how long they think all of these achievements will really take.

Tried it?

Dufu’s declaration that she has never encountered anyone who could realistically complete all of her tasks in less than 24 hours is unsurprising. As she writes, “The point of the exercise is to show that just making lists and trying to get everything on them completed is not a winning strategy. Trying to do it all guarantees only one result: burnout.”

The endless ‘to do’ list

Are you, like me, a sucker for a nice ‘to do’ list? In a professional setting, it’s natural and desirable to use a variety of tools to help keep all the plates spinning. Indeed, my highly-productive and efficient colleague, Cheryl, even has the following mantra on her office mug: Get Stuff Done.

But do we need to adopt this sort of mindset at home, particularly at weekends?

For sure, there are times when you absolutely need a list. Imagine you’re organising a family gathering or planning something significant like a wedding. You’re going to need to need to approach it like you’re about to embark upon a military operation in a theatre of war! Especially where family is involved…

What’s a Weekend?

/wiːkˈɛnd,ˈwiːkɛnd/
noun
Saturday and Sunday, especially regarded as a time for leisure

In the wonderful Downton Abbey, Maggie Smith’s character, the Dowager Countess, delivers one of her classic lines, “What is a weekend?”

Although the concept of ‘weekend’ has been part of our culture for many decades, full time workers may still ask themselves, “What weekend?” when they return to the workplace after a busy two days at home.

Setting yourself (or others) a set of tasks, or weekend jobs, runs counter to the idea that a weekend is supposed to be for doing what you enjoy; recharging your batteries; having a slow start; or – dare I suggest it – doing nothing at all?

I was always a woman on a mission when it came to weekend planning. I’d have my iPad at the bedside with the notes app primed to receive my usual set of household chores. I’d sometimes ring the changes and jot tasks down on pen and paper. Either way, there’d always be a list.

Letting go

Just lately, I’ve decided to let go. And whilst each weekend day follows more of a meandering path, jobs still get done. Meals get cooked. Washing is washed, dried, ironed and put away. The recycling is put out. The dog is walked twice a day. And I no longer feel the urge to go about my day in an energy-driven frenzy of activity, no matter how rewarding this might feel.

Reading the message behind Tiffany Dufu’s exercise reminded me that I’m on the right track. There’ll never be enough hours in the day, so why beat yourself up if you haven’t ticked off everything on the list you created for yourself?

Going a step further

Courtney Carver’s Soulful Simplicity introduced me to the Italian notion of dolce far niente: the sweetness of doing nothing. I haven’t mastered that particular art just yet, but my virtual ‘to do’ list can take a hike.


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)


 

More

more-2553134_1920 (1)

What drives us to yearn for ‘more’ or ‘better’ when we know that the more we consume, the more we deplete both our own, and the earth’s, precious resources?

As I have considered before, there are a variety of reasons we buy more than we actually need. They include:

  • Wanting to make a certain impression
  • Keeping up with the Joneses
  • Fear of missing out (especially on a ‘bargain’)
  • Having something ‘just in case’
  • Believing that ownership will make a real difference to our lives or even our happiness

The ownership myth

Ownership is a privilege but with it comes responsibility. You not only have to pay for the thing, but you have to maintain, upgrade, insure, clean and take care of it.

Worse, as Courtney Carver warns in her book, Soulful Simplicity, “If you use a credit card, the item might not even be yours. It’s possible that you are literally walking around in someone else’s shoes because you’re still paying them off…”

We own stuff for so many reasons. As Carver advises, “Once you acknowledge why you buy and what you think your stuff is doing for you, you will be more intentional about what comes into your home and life, and you will have more clarity about what needs to go.”

When can ‘more’ actually make a difference?

In her terrific book, America the Anxious: Why our Search for Happiness is Driving us Crazy and How to Find it for Real, Ruth Whippman cites a much-misquoted study about the relationship between happiness and income.

Whippman explains that the study, by Daniel Kahneman, is reported as showing that money makes no difference to happiness above an income of $75k per year.

In fact, Whippman explains that money over and above this level still makes a difference to a person’s overall satisfaction. And, of course, a person’s overall financial picture has a huge bearing on one’s life. As Whippman shrewdly observes, “Unsurprisingly, the further down the income scale you go, the more important it is.” That said, most of us in the western world already have more than enough.

Cultivating a sufficiency mindset

No matter what your income level, living on less than you earn brings enormous benefits. As Dave Ramsey repeats each time his radio show airs: “Live like no-one else so that, later, you can live (and give) like no-one else.”

Bestselling author of The Soul of Money, Lynne Twist, reminds us that when we let go of chasing what we don’t really need, it frees up energy to enable us to make a difference with what we already have. Having recently heard Twist in discussion with Oprah Winfrey in Supersoul Conversations, I am particularly struck by her philosophy that a sufficiency mindset is so much greater than a scarcity mindset. We already have enough. We are enough.

When more is more

When you adopt a minimalist lifestyle, it’s possible to pursue the things that really add value and that make a difference, not only to your own life but (hopefully) to the lives of others. Here, I come back to the ideas of connection and community, which I touched upon in my last post.

When it comes to connection and contribution, I’m about to embark upon a new adventure. Along with our Cockapoo, Ollie, I’ve recently been accepted as a volunteer with Pets as Therapy. This UK charity aims to foster connections with people through pet visits to establishments where pets are otherwise not available. I’m hoping to visit a local retirement or care home where the regular visit from me and my waggy-tailed chum might bring a ray of sunshine into someone’s day. Here’s when more is definitely more!

It’s not about stuff

No amount of ‘stuff’ is going to make a positive difference to our lives. Just as food should be about nourishing the body rather than feeding the emotions, so the stuff we own should serve a genuine need rather than fill a psychological hole.

As Whippman concludes in her book, “…if we focus on living a connected, fulfilling and meaningful life, then if we’re lucky, happiness might just hitch a ride.” And there’s no mention of stuff there.


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)


 

Enough

bread-1281053_1280

If you follow me on Twitter, you may have noticed me mentioning a monthly bread-making group that I now attend.

My friend, Lynne, introduced me to this. So far, I’ve baked Apple and Rosemary Bread, soft rolls and a quick-to-make type of breakfast bread, courtesy of The Hairy Bikers. To my surprise, I found that the Banbury Guardian has the recipe and method on its website, in case you’re interested.

Bread group protocols

We meet around the kitchen table of our host, Caroline on the 2nd Tuesday of the month.

Normally, in the style of Blue Peter’s, “Here’s one I made earlier,” Caroline has already prepared a batch of the dough whose recipe we are to make. This is so that we can knead it before it goes into the oven. This is especially useful if it’s a dough that requires a long time to prove. While this bakes, we get on with making another batch of dough to take home.

Towards the end of our measuring, mixing and kneading (and chatting), the first batch becomes ready for us to enjoy with lashings of butter (straight from the oven).

More than simply yeast-based recipes

At this gathering of like-minded women, we exchange stories and develop friendships as we enjoy fellowship and fun together. This invariably involves sharing news of our children or reporting updates on ageing parents, but our discussions are also wide-ranging.

What would 2018 hold?

This week, we shared Christmas and New Year’s stories and repudiated the idea of ‘dry January’ in favour of ‘damp January’, as we sampled a bottle of prosecco that my mum had given me at Christmas. Thanks, mum!

During the evening, our thoughts turned to the year ahead. None of us had made a New Year’s Resolution but one of our friends, Ruth, had chosen a word for the year. This is an idea I’m seeing increasingly: the selection of a word or phrase that might epitomise – or help shape – the coming 12 months.

Ruth’s word was simple, but incredibly powerful. It was ‘enough.’

Enough

This really struck me. What an inspiring choice!

There are so many ways we could apply ‘enough’ to our lives, which would ensure we lived a more intentional life.

We think of ‘enough’ when we talk about:

  • enough to eat
  • enough to wear
  • enough to live on
  • enough to get by
  • having done enough to pass
  • ‘enough is enough’
  • doing enough

No doubt you can think of many more examples.

Intentionality around ‘enough’

I got thinking about this and realised that Enough is the title of Patrick Rhone’s book. Have you read it? I haven’t yet, but maybe I should.

I took a look on Amazon. In the foreword to Rhone’s book, James Shelly explains how Rhone finds the middle ground between the absolutes of ‘unbridled consumption’ and ‘monastic luddism’.

Do I already have enough?

Asking, “What do I really need?” or “Do I already have enough?” is a very good way to check our natural impulses, especially when we are considering a purchase (particularly if it means bringing additional stuff into our homes).

If you shop online for food, checking if you already have enough of a particular item in the cupboard is a sure-fire way of helping stick to your budget, whilst ensuring you have what you need to make this week’s recipes. You’ll also avoid unnecessary food waste.

Hankering after the latest gadget? Ask what you really need. So many appliances or electronic devices have far more functionality than any of us actually require. It may be more cost-effective in the long term to buy a better quality appliance with fewer functions (like our Miele washing machine) than a fancy piece of kit with lots of features you’ll never use.

When simplicity is ‘enough’

In The Lord’s Prayer, one of the best-loved and most frequently spoken prayers in the whole world, the only thing we specifically ask to be given is:

Our daily bread

Whilst ‘bread’ may be a proxy for our most fundamental basic needs, the simplicity of this is beautiful. The ‘staff of life’ is all we need to sustain ourselves. Anything beyond that may be a luxury, even excessive. Through this prayer, we don’t ask for riches. We ask for enough.

Minimalism is about removing the excess from our lives and paring down to a more simple, fundamental way of life. Anything that no longer adds value can be eliminated, enabling us to focus on what really matters (spoiler alert: that’s not stuff).

How lovely that it was at a bread-making group that ‘enough’ was the word for the year. It’s certainly something I’ll contemplate as the first month of the year unfolds.


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)


 

Why I’m performing plastic surgery on my credit card

scissors-1534065_1920

Many years ago, I applied for a credit card that offered 2% cash back on all purchases. That was pretty generous, so you can tell how long ago that was!

Every month, we would use the card for all of our discretionary spending (that is, anything we bought on a week-by-week basis such a food, fuel and so on). We’d pay off the card every month in full. Then, once or twice a year, we’d get a decent cheque in the post with our cash back amount.

As we always paid off the balance in full, the credit card company actually made little money from us directly.

When I’ve used a credit card

I still have a credit card but I don’t use it for everyday purchases. Instead, I have used it for that one-off, occasional or unusual purchase such as our daughter’s prom dress.

However, because of the ease with which one can use a credit card in this way, there’s always a nagging thought in the back of my mind. Every time I do this (even for a relatively modest single item of expenditure), I‘m borrowing against next month’s income.

In effect, I’m creating a shopping hangover.

A change of heart

So, I’ve had a change of heart. The fact of the matter is this. If we’re going to win with money in the long term, this is what I’m going to do.

I’m going to perform plastic surgery on my credit card. Yes, I’m going to cut it into little pieces and throw it away.

Now, some of you still use your credit card in the way I used to. You tell me that you find it easier to track your spending this way (although, for me, I can’t understand this).

For me, it’s crunch time and here’s why.

What the research shows

Research shows that credit cards are ‘friction free.’ That is, handing over a card is less painful psychologically than handing over actual cash. In an article for Psychology Today, Scott Rick explains that people tend to spend more when they use a card than they do when handing over actual cash: “Experimental research….suggests that credit cards can stimulate overspending: People are often willing to pay more for the same product when using credit than when using cash.”

Indeed, Rick cites a range of psychological factors, which compel consumers to use a card over cash.

Even though I don’t put a lot on my card, I know that when I previously experimented by cutting up my card, I definitely spent less money overall.

Business Travel

“But what about business travel?” I hear you ask?

I once attended a work conference, which across the pond in Anaheim, California. I took my credit card for ’emergencies’ and actually ended up having to use it when I found my employer had failed to pre-pay my bill.

At my hotel’s reception desk, ready to check out, but fully expecting my account to have been settled, I learned that the transaction hadn’t gone through. Worse, the time difference between California and England meant that there was no-one in the office back at home to sort it out. I’ll admit that this was a time when I was glad I had my personal credit card.

However, this does not deter me from my plastic surgery. What I’d do in the future is request a corporate card, rather than rely on my own personal card, which required me to claim this expense on my return. No corporate card? No travel!

But a credit card’s for emergencies!

In my last post, I wrote about why I believe we all need an emergency fund.

In fact, a fully funded emergency fund should contain 3-6 months of expenses. So, if we have a fully funded emergency fund, we shouldn’t need to use the ‘shopping hangover’ method to cover unexpected bills.

The post-Christmas hangover

As the nation anticipates its post-Christmas credit card statements, I decided to do some research on card spending. What I learned really shocked me.

The UK’s spending habits

In October 2017, an article in The Independent warned that credit card lending was on the increase, in spite of warnings about the high levels of UK household debt. In the article, journalist Ben Chu cites regulators’ concerns about the extent to which households are turning to credit to finance their consumption.

Indeed, in the previous month, we saw headlines suggesting the UK was experiencing a ‘debt crisis’, as household debt had increased by 7% in the preceding 5 years.

Going slightly further back in time, the sheer volume of annual card sales is revealed in the UK Cards Association’s report of April 2017. I was staggered to read that, in the month of April 2017 alone, 315 million purchases were made on a credit card (up on the previous year’s figures by 41 million transactions). The overall total of money spent on a credit card that month was £16.8 billion (versus £15 billion the previous year).

What the hell were we all buying?

The report shows we’re using credit cards for a whole range of goods and services from food to fuel, with a marked increase in the use of cards (both debit and credit) over cash in these categories.

What if you have to use a card?

If you listen to Joshua Fields Millburn and Ryan Nicodemus’ podcast, you’ll have heard them say quite clearly: “If you have to use a card, you can’t afford it.”

In my case, if I decide to use a credit card, I’m swapping convenience for a shopping hangover. And I no longer want to do that.


Join us!

Join hundreds of others in the Midlands Minimalist Community, receiving unique news and content that’s only available for subscribers. On joining, you’ll get access to all my free content on my Community Resources page.

Receive unique news and content by clicking on the button, below:

New button for MidsMins


Email me via midlandsminimalist@gmail.com, send me a Tweet (@MidsMinimalist) or connect via Instagram (@MidlandsMinimalist)