Hello Beloved.

Did you enjoy Valentine’s Day? It’s not my thing but if it’s your cup of tea I hope you had a great day.

On Wednesday we spoke about spending time on yourself first, before you give your time to other people and things.

Today we are going to apply this same principle for money.


Photo by Fabian Blank on Unsplash

When you pay bills you are paying someone else – the bank, the internet provider, the utilities companies…

When you buy things from the shops, you are paying the retailers.

When you save, you are paying yourself.

Most people pay their bills, spend and if/when some money is left over, only then do they save. Meaning you pay yourself last. Start paying yourself first.

Whenever money comes into your account immediately take 10% (or whatever amount you are comfortable with but ideally more not less) and put it in a savings account. You are tithing to the church of you.

This will not cause you to default on your bills. At worst you will have less money to spend on other things.

Pay you first, to demonstrate that you value yourself. This is a way to put your money where your mouth is, so to speak.

As an extra incentive –  (1) the more money you have, the more money you will attract, and (2) the more money you save the more secure you’ll feel. You may have one of those automated debit orders that move money straight into a savings account, however there is something very rewarding about doing it yourself. Each time you go into your account and move 10% into your savings account it feels like an act of love because it is.

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  1. My BHAD journey says:

    I had this paying myself 1st misconstrued yazi. I have been spending my money on me & things that makes me happy – that’s what I thought paying myself 1st. I never took my savings as any major thing besides “extrs money for rainy days & impromptu events”.

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