HOW TO SPEND YOUR HARD EARNED MONEY AND NOT FEEL GUILTY

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Every time I have to spend my money, I think,  "Ye, I'm going to go broke before my next paycheck." And being broke is a real fear for me because I lived through that experience growing up. 

As a student, I was a broke a$$ nigga. My mum who was separated from my dad was responsible for raising the 4 of us and her resources were limited. 

Coming out of that university experience into work life, it's been tough learning how to spend the money I earn.

For those people who squander everything they earn, it's a shame because that's a thoughtless way to live life. But for those of us struggling with guilt after spending our hard-earned money or those too frugal to even spend on themselves, these are a few tips for spending guilt-free. 

1. You Only Live Once (YOLO). 

You are going to die someday; and it could be any day; you don't know. So remember to enjoy your life while you still have it. 

2. Enjoy the Phase of Life that You Are in Right Now.  

If you are single, enjoy this time because once you have kids, simple things like just going to the movies or traveling for a holiday will be a bit more complicated. 

3. Use your money to Pursue your Interests. 

Aim for self-actualization. A lot of us are uncomfortable having resources in excess of what we need for essentials,  but there's always "the next level",  so aim for that. One of the ways in which I spend my money is by pursuing the things that are meaningful to me. Charity (education), art, fitness, and gardening. These things make me happy and I just don't feel guilty about spending on them. 

4. Spend to advance your social pedigree: 

Experiences expand your mindset and your world view. Spend money on travel. It increases your conversational range and exposes you to other ways of living. Spend money attending etiquette classes (click here), spend money meeting fellow upwardly mobile people in your city ( click here). 

5. Keep Up with the Joneses but Don't Keep Up with the Joneses.

I don't keep up with the Joneses but I always ask myself what society expects from me, and then I try to close the gap. For example, If I'm struggling to replace a worn-out shoe, I ask myself, "when people see me wearing this, what would they think of me?" The Answer is always what drives me to spend money. 

And again, social capital is important. If you don't put a value on yourself, people are not going to put a value on you. 

I hope you have learned a few things from what I have shared. Thanks for reading 

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