Blow Money- The Little Known Secret To Sticking To Your Budget

Most people who hear the term blow money, think of it as out of control spending. Smart people realize that it’s the key to sticking to your budget even when you have very little willpower. 

Lets’ think about it like this… You really want to set and stick to a budget. 

And, you NEED to set and stick to a budget. (Even though you also really want to buy out aisle 3 in Home Goods 🤷).

But every time you try to budget, you blow it within a few days to a few weeks. 

That’s pretty normal. 

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Blow Money Helps If You Don’t Have The Willpower To Stick To Your Budget. 

What people don’t explain to you is that the ability to stick to your budget is based on the amount of willpower you have. 

And that part of your personality has been set in stone since your formative years. 

That’s why this seems so easy for some people and so difficult for others. 

Some people have the innate ability to want something and walk away.

And some people don’t. 

If you don’t have natural reserves of will power, it can really feel like there’s something wrong with you.  I get it. 

I have infamously low will power. 

If I want a brownie… I’m eating the brownie.

If I want to buy the planner… I’m buying the planner. 

And I’m a force to be reckoned with when I want something. 

My super level headed best friend (with an overabundance of willpower) tells me she feels like a hostage negotiator when she tries to talk me out of an impulsive decision. 

Which is why for 12 years, I diligently set up a budget and then immediately blew it within a few days. 

Rinse and repeat.  Over and over and over again. 

Until we figured out how to work with my unique personality instead of against it. 

via GIPHY

It was life changing. Not only did it work… but if felt easy. 

Not eating Cheetos on the couch easy, but WAAAAAY easier than anything else I’d ever attempted. 

Enter in the concept of blow money. 

(No, not that kind of blow. 🤷 “Blow” as in “spend it wherever”)

Blow money is how you work with your unique personality when you budget. 

Blow money lets you get what you WANT by doing what you need to do. 

Blow Money is Taking 20% Of What You “Save” Off Your Set Budget To Spend on You. 

You set a reasonable budget based on where you are (not on where you need to be). And then every week that you spend under that budget, you get 20% of the money you “saved” to blow on whatever your heart desires. 

New shoes? Home Goods? Hobby Lobby? A Target shopping spree? The only rule to blow money is that you MUST spend it on something you want and you can’t share it. 

Unless what you want more than anything is to buy something for the kids, you can’t spend it on them. 

Then you take the other 80% that you were under budget and you apply it to debt or savings. 

Boom. Done. 

All of a sudden… the spenders become savers. 

And ironically, what we see over and over again is that even though you spend a fraction of what you’re used to… and you pay down debt quickly,  you FEEL like you spend more. 

Because now you have permission to buy what you really want. 

Blow Money Let’s You Buy What You Really Want Instead of Impulse Purchases.

And what we see is that when people are restricted they overspend in areas where they feel like they can justify it (buying extra groceries or small impulsive purchases) instead of doing what they really want to do. 

But when you can buy anything- people make more carefully thought out decisions debating what to spend their money on. 

Now, I don’t want to give you false hope. It’s a little more complicated than that because you need to master the foundation first. You also need to master simple routines, before complex routines, and to focus on only doing the things that matter. 

But blow money is an essential element of being able to actually stick to your budget long term. 

Even if you don’t have willpower. 

P.S. Ready to learn more workarounds to your impulsive personality? It’s a lot easier than you think! Let’s get started with the “90 Day Budget Bootcamp” a step-by-step budgeting program that teaches you how to work around the personality you have and actually stick to a budget. 

You can get access to the 90-day Budget Bootcamp for FREE here!