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Money Mottos

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We all have sayings that stick with us through the years and guide our decision-making. Here at blooom, we’ve collected some of the words we live by when it comes to saving and spending.


“You can have anything you want, you just can’t have everything you want.” 

This reminds me that budgeting isn’t about never spending any money, it’s about prioritizing. If you stop spending money on the things that aren’t important to you, you can focus on the things that are.

-Kent Johnson, blooom product manager


“Spend your money where you spend your time.”

This simple saying is why I have a nice bed (where I spend 30% of my time) and why I will never own a fancy car (where I spend less than 5% of my time). 

-Laura Wittmer, blooom financial advisor


“Do not save what is left after spending, but spend what is left after saving.” -Warren Buffett

If you automate your savings and investing, it forces you to live on the remainder. Before you know it, you’ll have great discipline with spending and a pile of savings/investments that will continue to compound over time.

-Andrew Thomas, blooom advisor and director of client services


“Budgeting creates freedom, not restrictions.” 

Sometimes setting a budget can feel restrictive and boring. I find it freeing to know what I can spend each month so that I don’t have to stress over every little purchase. Before I had a monthly budget, I would start to worry near the end of each month about whether I had enough in the bank to cover all my expenses. Now I can go out for dinner stress-free, knowing that I’ve budgeted for meals and that my non-negotiables have been accounted for.

– Miranda Wagner, blooom data analyst 


“Your life is not defined by the value of your possessions; cherish experiences over things.” 

The short term joy felt by purchasing things fades quickly whereas an experience becomes part of who you are and connects you to those you experience it with. Plus, the more stuff you buy, the higher the bar gets. What nobody tells you is that you can never reach the bar, it will always remain out of reach.

-Chad Beland, blooom director of client happiness

Published on July 19, 2019