This year, I used 80% of my tax refund to pay off debt.
Now, I know this isn’t something everyone can do but this is the first time I’ve been able to do this. For the past two tax returns I’ve had to catch up on bills/ pay off debt that my ex-husband had accumulated.
We were often behind in bills. I won’t get into too much detail on that, but I will just say since the divorce and separating my finances, things have been much better.
Slowly, I’ve managed to pay off debt and continue my debt free journey. My goal was to be debt free (minus the house) by 2025 but with Covid, that probably is going to be pushed a smidge to perhaps 2026.
After I paid off debt and put some money back into savings, I realized I didn’t set anything aside for “fun.” Probably because I am currently in a “NSM.“
This was the first time I didn’t feel like I needed that and I think it’s because I haven’t felt deprived; if I want something, I save for it and don’t have to worry about someone else’s debt.
I then decided to set aside X amount of money for a few things that have been on my “non-Minimalist” wish list:
New Comforter Set (I got 20% off during a deal)
Two New Bras (beige and black)
Someone might look at this list and not consider this “fun” items but these are things I’ve been wanting for a while.
As a Minimalist, I am VERY intentional with my purchases and try to only purchase something new when it is absolutely necessary.
The first two items I really wanted so I could create a more cozy vibe in my home. I love how the bedroom looks now versus the dark color I had. One thing I didn’t put on this list was a haircut.
I had so many split ends and I did cut my hair first by myself and then when to the salon so they could layer it and “even it out.”
I’ve found that this is the best way to get my haircut because more often than not, they end up cutting more even when I say not too. I was very pleased with the way it came out and it feels so fresh.
I own four bras, but two of them were getting too loose and lacking in support for my back. The Maidenform ones I purchased have been amazing for back support.
I even got them for $17.50 each (originally $48) during a deal but in general, Kohl’s usually has some sort of special going on.
Aside from these “additional” spends if you will, my no spend month is going great so far. I’ve been more intentional with my purchases (aka less candles) and trying to plan better when it comes to meal planning and prepping for work.
One day at a time right?