Spending money doesn’t have to mean wasting money—especially when your spending reflects your values.

Steps to Value-Based Spending

1. Identify your top 3 financial values (freedom, travel, family, etc.)
2. Review your past month’s spending—do they align?
3. Cut back on spending that doesn’t serve those values

Examples

• Cut impulse buys to travel more
• Cook at home to pay off debt faster
• Spend more on health, less on trends

🧭 You work too hard to spend without purpose. Let your money reflect what matters most.