'Unlike a budget, which looks backward, a conscious spending plan allows you to look forward.'
Editor’s Note: Sign up for CNN’s Stress, But Less newsletter. Our six-part mindfulness guide will inform and inspire you to reduce stress while learning how to harness it. When you think of money, do you feel like living in the moment and being responsible are mutually exclusive? Does guilt eat at you when you go out for lunch or have a $7 oat milk latte? You don’t have to think or feel this way, thanks to a flexible personal finance approach called conscious spending.
” What’s most important in undoing unconscious spending is asking yourself specific questions about your financial goals and life desires: Where has my money been going? What do I love spending money on and why? How much do I need for fixed expenses, such as bills and rent? How much do I want to invest and save, and why? How much do I want to set aside for impulse buys or charges, such as drinks with a friend or a parking ticket? Your answers need to be very clear, Klontz and Sethi said.
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