If you want to make it easier to save and stick to your financial goals, it might be a good idea to adopt a spending mantra! This positive phrase acts like a mini rule of thumb for how you prioritize your spending. For example, when you’re faced with a financial decision that resembles a splurge or impulse purchase, ask yourself, “Is this (item) more important than my dream Hawaiian vacation?” or “I’m only (insert amount) away from paying off my car!” Then, when you feel like you might be getting off track, repeat your spending mantra to yourself a couple of times and it may help you stay on track.

Mandy’s Fabulously Frugal Fact is made thrifty by:

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