For 2025, my goal is simple: live on less than I make while still enjoying a fantastic life. I’m not giving up my mani-pedis, massages, or getting my hair done every two weeks—those are non-negotiables. But I’ve realized there are other areas where I can cut expenses without sacrificing joy. 

Why I’m Doing This 

Two big reasons: 

1. I want to quit my full-time job by the end of the year to work on my business full-time. 
2. I want to retire comfortably while traveling, having fun, and living on my own terms. 

This journey has also opened my eyes to something deeper: my relationship with money. Even at 64, I’m learning that financial healing is possible. And if I can do it, so can you. 

How I’m Cutting Costs (Without Sacrificing Joy) 

1. Dining In More Often 

I love eating out, but cooking at home saves so much money. I’m planning meals and experimenting with delicious, healthy meals that excite me to eat at home. 

2. Reevaluating Subscriptions 

I reexamined my streaming services, memberships, and apps. Do I need them all? Nope. I kept the ones I used and canceled the rest. 

3. Smart Grocery Shopping 

Buying in bulk, shopping sales, and using cashback apps are easy ways to save. And yes, I still buy good toilet paper—because some things in life are worth it. 

4. Prioritizing Experiences Over Things 

Instead of impulse shopping, I’m focusing on experiences that bring me joy—like road trips, spending time with loved ones, and investing in my personal growth. 

5. Finding Creative Ways to Save 

From using reward points to negotiating better service deals, I’m becoming more mindful of where my money goes. 

This journey isn’t about deprivation—it’s about intentional spending. It’s about spending in ways that align with my values and long-term goals. If you want to live well while spending less, I hope this blog inspires you. 

Until next time, take care of yourself and each other. And don’t forget to check out the resources below for more money-saving tips! 

With peace and love, 
Renee 

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