Your Money Isn’t Missing—It’s Hiding in Variable Spending

Let’s be honest—money stress often comes from one place: not knowing where your money is going. If you’ve ever caught yourself thinking, “I should be able to afford this…” or “Where did my paycheck go?”—you’re not alone. And the good news? You’re already taking the right first step by choosing to shine a light on your finances instead of staying in the dark.

You can gain clarity when you start with a closer look at your Variable Wants.

What Are Variable Wants?

Variable Wants are the non-essential expenses that change from month to month. They’re the “nice to have” purchases—not the must-haves. They include things like:

• Takeout and drive-thru dinners

• Clothing, home décor, and impulse shopping

• Streaming services and subscription boxes

• Coffee runs and little treats

• Gifts, celebrations, and unexpected splurges

• Miscellaneous or “I deserved this!” purchases

  
  

These expenses aren’t bad—they’re part of living life! But they often slip through the cracks, quietly draining your bank account and causing that “Where did it all go?” feeling.

Why Start Here?

Because this is where the biggest transformation happens. Your rent or mortgage doesn’t change much. Groceries and bills stay relatively steady. But Variable Wants? They fluctuate—and that means they offer the biggest opportunity for clarity, control, and change.

When you track and understand your Variable Wants, you gain:

✅ Awareness – You see the real numbers behind your habits.

✅ Control – You can plan ahead instead of reacting when money feels tight.

✅ Confidence – You spend with intention, not with guilt or second-guessing.

Challenge Yourself this Week

1. List Your Variable Wants. Write down every category where spending varies—no judgment required.

2. Track Every Purchase. Whether it’s a latte or late-night online order, put it on paper or in your app.

3. Reflect, Don’t Regret. This isn’t about shame—it’s about awareness. You can’t change what you can’t see.

You’re Doing the Brave Work

Most people avoid looking at their spending because it feels uncomfortable. But you’re choosing clarity over confusion—and that choice alone sets you apart.

By shining a light on your Variable Wants, you’re not cutting out joy—you’re taking back control. You’re deciding where your money goes instead of wondering where it went.

Small steps. Big clarity. More confidence.

You’ve got this!

See you tomorrow!