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 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.
But a conscious spending plan allows you to say,"Yes, I want to go on vacation. Yes, I like nice clothes. Yes, I'm going to spend on these things guilt-free. I'm also going to invest, save, and make sure I can cover my rent," Sethi said. 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...
Your answers to these questions make up what Sethi calls your"rich life" -- your life and financial goals that are unique to you, not influenced by what anyone else thinks you should do.
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