{"id":57621,"date":"2022-05-16T13:29:00","date_gmt":"2022-05-16T17:29:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/"},"modified":"2024-01-22T13:21:49","modified_gmt":"2024-01-22T18:21:49","slug":"spending-less-can-be-a-pathway-to-financial-peace-and-self-love","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/","title":{"rendered":"Spending With Intention: Budget Your Way to Financial Peace"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Spending With Intention: Budget Your Way to Financial Peace<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Sarah Treleaven<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"476\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Person making a frame with their hands\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2.jpg 2310w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2-300x139.jpg 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2-1024x476.jpg 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2-768x357.jpg 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2-1536x714.jpg 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/BD_PSI-2-2-2048x952.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Spending With Intention: Budget Your Way to Financial Peace &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 16, 2022 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>For some of us, it&#8217;s battling inflation; for others, it&#8217;s coming to terms with pandemic-era spending habits. Either way, a lot of us are reviewing what we spend on. But it&#8217;s not just about cutting out luxuries; it&#8217;s about determining what brings value to your life.<\/p>\n\n\n\n<p>Kumiko Love, accredited financial counselor and author of <i>My Money, My Way<\/i>, says that <a href=\"https:\/\/www6.royalbank.com\/en\/di\/hubs\/investing-academy\/article\/budgeting-101-for-investors\/ki58klv9\" target=\"_blank\" rel=\"noopener\">setting a budget<\/a> doesn&#8217;t have to leave you feeling deprived. Instead, spending with greater intention can enhance your overall well-being.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When a lot of people think &#8216;budgeting,&#8217; they think dollars and cents. Is that all there is to it?<\/h2>\n\n\n\n<p>This journey of spending less is not about the dollar amounts; it&#8217;s about what we&#8217;re trying to accomplish with our money and what brings joy to our life. So, it&#8217;s about cutting back on the things that don&#8217;t bring value versus spending more on things that are truly important.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">So, it makes sense to look at budgeting holistically and through a value lens?<\/h2>\n\n\n\n<p>Budgeting is about honouring you. You get to say what&#8217;s important and where your money should go. That is such a builder of financial confidence!<\/p>\n\n\n\n<p>You can consider budgeting a process of self-discovery. The more you grow to understand about yourself, the better spending decisions you can make. People say to take emotions out of finances, but my financial philosophy is all about using emotions as a motivational tool. When you&#8217;re doing \u201crobot work&#8221; \u2014 meaning, doing things that other people dictate \u2014 you can hit all these goals and feel absolutely nothing. My budget has to be based on how I define success for myself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When evaluating spending, how do you decide what you consider a luxury, a nice-to-have or a must?<\/h2>\n\n\n\n<p>The distinction between those things is very personal. One person might say that they &#8220;need&#8221; a new car because they need to take the kids to daycare and themselves to a job. Another might say that they &#8220;need&#8221; a new car because they want something nicer-looking.<\/p>\n\n\n\n<p>I think it&#8217;s sometimes easier to identify a need when it&#8217;s not being met. If your life would spin into chaos without it, then it&#8217;s a need. You have to think about each item in terms of the consequences of not having it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How do those categories help people to feel empowered instead of deprived?<\/h2>\n\n\n\n<p>Empowerment comes with realizing what we&#8217;re truly fighting for. People might say, well, I&#8217;m empowered when I save this much money, or when I pay off this much debt, or put this amount in their retirement account. But what they&#8217;re really saying is, I feel empowered in preparing for a future I desire. Not having to stay at a job. Not having to stay in an abusive relationship. Being able to pursue a passion project. It&#8217;s about a way of living.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/kumiko-love-book-insert-928x529-1-14.jpg?w=928\" alt=\"Kumiko Love\" class=\"wp-image-24319\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Do you have any tips for putting those decisions to work and the actual act of cutting back spending?<\/h2>\n\n\n\n<p>I call this exercise \u201cthe flow&#8221; and here&#8217;s how it works:<\/p>\n\n\n\n<p>First, what are my fixed expenses? I make a list of the monthly things I have to pay, like car insurance, rent and daycare.<\/p>\n\n\n\n<p>Second, I take my income minus those fixed expenses, and that&#8217;s the money for variable expenses. They&#8217;re the hardest to predict, but we also have the most control over them. You review your spending and determine each item&#8217;s value. You might see that you&#8217;re spending $1,000 a month on eating out. And then you ask, is spending that amount serving me?<\/p>\n\n\n\n<p>Third, consider big-picture goals: Do you want to tackle debt, or savings, or investing? But the key is to start from a place of honesty, no matter how much you don&#8217;t want to see those numbers. Starting from a truthful place allows us to make small, incremental changes. If you create a budget based only on where you want to be, you&#8217;re setting yourself up for failure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">This is all about being all honest with yourself.<\/h2>\n\n\n\n<p>I call it a \u201cslap-in-the-face&#8221; moment. When my community members come to me after they finish this step, they&#8217;re like, &#8220;Holy crap, I did not realize I was spending $800 a month on clothes.&#8221; It&#8217;s a slap in the face to learn that you&#8217;re spending so much on things that don&#8217;t necessarily serve you. It&#8217;s very powerful. You can&#8217;t change what you don&#8217;t know when you&#8217;re creating a budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Have you ever had to cut down on spending for a trade-off that was worth it?<\/h2>\n\n\n\n<p>After I got a divorce, I went on a spending spree. I would tell myself that I just needed time to myself, and I would end up at the mall, putting purchases on my credit card. It took me years to be able to say that I was overspending because I didn&#8217;t like how I looked. This was a very hard realization, but I challenged myself to stop spending on my outside appearance for a year \u2014 no makeup, no tanning, no new clothes \u2014 to focus on my natural self. In the process, I learned to love every aspect of myself. And I started to channel my spending towards things that really did matter, like memories and experiences with my family.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1b105048-d7f2-4242-b511-aaad96ad258b\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Spending With Intention: Budget Your Way to Financial Peace &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/spending-less-can-be-a-pathway-to-financial-peace-and-self-love\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-cbaa4870-de69-41bf-b66c-c66209b418c1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Digital form checklist\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1536,1009 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=2048,1345 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/\">\n\t\t\t\t\t\tBudgeting\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/2026-financial-roadmap-aligning-your-budget-borrowing-and-investments-to-your-goals\/\" class=\"card-title h4 mar-t-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-1b105048-d7f2-4242-b511-aaad96ad258b {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1b105048-d7f2-4242-b511-aaad96ad258b {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-cbaa4870-de69-41bf-b66c-c66209b418c1 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-cbaa4870-de69-41bf-b66c-c66209b418c1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Money expert Kumiko Love shares how a bit of honesty can elevate budgeting from an act of self-sacrifice to one of 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