Skip to main content
Midlife Money Reflections

How to be intentional with your money


Kim Potgieter

Kim Potgieter

February 28, 2024
Knowing what you spend is essential to taking ownership of your money. We call this a Spending Plan – not a budget. It’s not about restricting or limiting yourself – it’s about knowing what you spend and intentionally allocating your money to achieve your goals.

Step 1: Know what you are spending money on right now.
Use your bank statement as the best indicator.

Step 2: Identify problem areas.
Can you identify any unnecessary, excessive, or misaligned expenses?


  • Shop around for competitive insurers and rates every two years.
  • You may be surprised how many subscriptions you have that you no longer use.

Step 3: Identify your yearly goals.

Step 4: Intentionally allocate your money to enable your goals.

Download your spending plan from my website.

Click here to watch Midlife Money Tip shared by Chartered Financial Planning Specialist, Stephanie Ferreira

You might also like


Leave a Reply

Your email address will not be published. Required fields are marked *