, 12 tweets, 2 min read Read on Twitter
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Steps for using a budget as a tool to align your use of money with your values.

I call it Aligned Spending™️

(™️=kinda joke...)

...
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Step 1: spend money. This part is easy. Just spend as you normally would.
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Step 2: review each transaction. This can be done daily at first, or weekly. Download each transaction using #fintech and go to step 3.

I have tool I’ve used if interested.
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Now this gets fun...

Step 3: for each transaction ask yourself: was this use of money aligned with my values?

Super important that your practice doing this with no shame or blame. Just ask and notice.
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Step 4: if “no”...notice.

If “yes” ask the next question: what value is it aligned with?

Example: lunch with a friend= a huge yes! And the value was friendship.

Or hiking shoes= yes! And the value was time outside.
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Practice the above for a while before moving on to step 5.

Spend money, notice you spent it, ask if transaction was aligned, name the value.

No shame.

No blame.

Just notice.
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Step 5: ask yourself: is there any other way to express this value?

In this step your looking for little opportunities to get more alignment.

Example:
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Sally notices she spends $50 each month on lunch with her friend Amy. Amy is having a tough time. Didn’t have Antoine else to talk to. Sally loved Amy’s friendship and wanted to be there for her. Lunch was the way that happened.
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Sally noticed the transaction and asked: was that aligned?

YES!

What was the value?

FRIENDSHIP!

**Already this is so much better than Sally beating herself up over spending money**

But then some magic happened...
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Sally asked: is there any other way to express this value?

She remembered that both she and Amy love to hike. They lived and worked right near beautiful trails in Utah.

So Sally suggested that she and Amy meet at the trailhead for a hike instead of the restaurant.
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Amy LOVED the idea!

Now Sally is aligned with her value of friendship in a even stronger way...AND...she took the $50/month and increased her auto investment by $50/month.

This is a YES/YES.

Yes to the value of friendship!

Yes to another value aligned with saving.
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This is a true story.

I’ve seen this with 100’s of people I’ve taught Aligned Spending to...
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