Value-Based Spending

What is Value-Based Spending?

Identify your top 3-5 core values, then audit every recurring expense against them. If a subscription, purchase, or habit doesn't serve a core value, eliminate it. Redirects money from autopilot spending toward things that genuinely matter to you. Not about spending less — about spending right.

Is there evidence for it?

How do you do Value-Based Spending?

1. 1.Write down your top 5 values (freedom, health, creativity, family, adventure, etc.)
2. 2.Pull 3 months of bank/credit card statements and categorize every expense
3. 3.Rate each category 1-5 on how well it serves your values
4. 4.Cut or reduce anything rated 1-2 — redirect that money to categories rated 4-5
5. 5.Before any purchase over $50, ask: 'Which of my values does this serve?'

How long does it take?

2 hours initial audit, 1 minute per purchase decision.

Is it hard to start?

medium.

This is one entry from the library Shift matches against. It is general information, not advice about you, and nothing on this page came from anyone's conversation.