28 Days Richer – Day 10: The Intentional Spending Mindset

One thing each day that puts money in your pocket and takes 5 minutes or less.

You see over 10,000 adverts per day, and every single one of them is designed to separate you from your money.

The average UK household spends more than £500 per month on non-essentials, and while some of that spending brings genuine joy, some of it really doesn’t.

Today’s about figuring out which is which.

What Intentional Spending Actually Means

This isn’t about cutting everything or living on beans and rice – it’s about spending money on things that actually matter to you and cutting the stuff that doesn’t.

Love coffee? Great, keep buying good coffee.

Never watch that streaming service? Cancel it.

No guilt either way.

The Value Question

Before any purchase, ask yourself whether this will genuinely improve your life, or if you’re buying it because an advert told you to, because you’re bored, or because everyone else has one.

There’s no right answer here, just your answer.

Today’s 5-Minute Action

Think about your last five non-essential purchases and write them down.

For each one, rate how much value it’s brought you from 1-10.

The ones that scored highest? That’s where your money should go.

The ones that scored lowest? That’s where you can cut back guilt-free.

The Bigger Picture

Every pound you spend is a vote for how you want to live, and intentional spending means winning more battles than you lose against those 10,000 daily adverts.

You don’t need to win every time, just more often than not.