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Defer all ad-hoc to the end of the week and month

Defer ad-hoc (non bills) spending as close to the end of each week and each month as possible. Use the Backlog (i.e. wish list) to capture items and review at the end of each week and each month.

Things I’ve bought recently which could have been treated in this way: –

  • Anti-bacterial general purpose surface wipes
  • Non-essential food replenishment
  • Phone anti-bacterial wipes
  • Book

This way, you have allowed for any emergencies to have happened in the week before buying what you need to buy

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