Time and Money Hacks

Have you ever noticed that our lives are actually very structured? It’s so structured that we don’t even think about it or notice how it affects us.

When we leave for work in the morning, we leave normally in half hour increments: 7:00, 7:30, 8:00, 8:30. Or, in quarterly increments: 7:15, 7:45, 8:15 and so on.

No one ever purposely says: I am going to leave at 7.16 on the dot.

Granted, we don’t actually leave right at that exact moment of 7:15 or 7:30, it’s normally done in such a way that we say we will leave at 7:30 but what we mean is around 7:30.

And when we pay for something, it’s with change or bills lower than a $20. If we have a crisp $20 in our pocket, we are less inclined to break it into less than $20 to pay for some pop, chips and a chocolate bar.

But when there’s change, there’s a feeling (for me anyway), of let’s just get rid of it and use it up because it’s taking space in my pocket and making noise.

The reason why I’m bringing it up, is because we can take advantage of that structure to benefit our lives, kind of like putting a subtle control in place that we won’t even notice is restricting us.

For example, with time.

When I left at 7:10 in the morning, or 7:20, it made a world of a difference, those couple of minutes. Normally, people leave at 7:00 or 7:30, so leaving in between, even at 7:15, traffic had a bit of a lull before the next rush, but at 7:30 it would be a madhouse.

Just a couple of minutes, and traffic was much easier to deal with.

Same with money. I try not to break a $20, but if I do, I hide the $10 bills in another compartment where I don’t even see them, and at the end of the week, I normally have about $40 – $50 there, which then I either shuffle back into my wallet to use for the next week, or I put it in the bank if I feel I am carrying too much.

Actually, in general, if I carry too much money – a couple $20s or $50s, I am even MORE inclined to keep it in my wallet to keep that nice fat look and I am very, very hesitant to break any of the bills on something small and insignificant like a candy bar or chocolate bars.

What are your other tips and tricks?

About the Author

Just a girl trying to find a balance between being a Shopaholic and a Saver. I cleared $60,000 in 18 months earning $65,000 gross/year. Now I am self-employed, and you can read more about my story here, or visit my other blog: The Everyday Minimalist.