Category: Choice

I’m within ten percent of getting my budget to work. I confirmed this after two frustrating weeks of trying to upgrade to the next generation of personal financial software, which I’m discovering is not so different from the previous generation of my personal financial software. My budget was ten percent bloated on that one, too. I’ve resolved to somehow change my budgetary wandering ways.

I recently patronized the restaurant pictured above, and the revelation I received there could hold the answer to my dilemma. A small table sits in an awkward location connecting two parts of the dining room. The kitchen is adjacent to it. The persistent clinking of glasses and dishware, the murmurs of cooks and waiters, the constant hustle to serve an endless stream of customers, and the discomforting flushes emanating from the neighboring bathrooms conspire to make this a less-than-idyllic setting for a dining experience. To appease customers relegated to this forlorn table, a sign posted above it humanely announces a “Worst Table 10% Off” discount. The waiter affirmed the veracity of this incredible value, and it set my budget-busting wheels a-spinning.

By not snagging this table, I had narrowly missed a way to fractionally reduce my spending. I could have recovered a portion of my ten percent deficit by momentarily putting up with swearing cooks, harried waiters and the flushing of nearby commodes! So…why not redeem this lost opportunity by applying the ten percent reduction principle to all my future expenses, thereby achieving the so-far evasive goal of slashing my budget?

I’ve devised a plan:

Henceforth, I will reduce my job-related transportation expenses by disembarking from my train one stop earlier, thereby reducing my ticket expense by at least ten percent (and, incidentally, increasing my daily walking exercise routine by 15.8 miles).

Henceforth, when giving gifts, I will curtail spending wasted resources on fancy gift-wrap, choosing to use free plastic grocery bags instead. (Oops, I do this already….)

Henceforth, on the same theme, I will reduce by ten percent the actual number of presents I choose to give throughout the year—which will also effectively reduce my circle of friends by ten percent.

Henceforth, I will follow the trailblazing practices of UPS, making only right hand turns in order to reduce fuel costs. Calculating my fuel cost to the grocery store suggests I will save 4.5 cents. (My return trip home, however, will cost $6.32; making all right hand turns will result in traveling an additional 57 miles since I will be led down streets to a neighboring town before I arrive home.)

Henceforth, I will purchase only long-sleeved shirts and long-legged trousers. Over time, as my clothing develops holes in the knees and elbows, the sleeves and pant legs will be unceremoniously lopped off, providing me a breezy-cool summer wardrobe—and save myself the expense of buying summer clothes!

Henceforth, I will rent out ten percent of my house to the ever-increasing populous of neighborhood kids (for which, I will charge them ten percent of my mortgage payment). Their resultant 150 square feet of rental space may be used as they desire: a clubhouse and fort, or perhaps a small, kid-staffed veterinary facility to resuscitate highway-mangled rodents, frogs, and night-traveling marsupials.

I’m so confident in the success of my anticipated budgetary surplus that I’ve hired an investment consultant to handle the increased savings, which, unfortunately, sets my budget back–by about ten percent.

I listened passively to the chatter between two computer geeks about how to keep personal computer data safe and secure. Just as I was tuning out the conversation, they identified two critical principles that go way beyond computer geekdom. I haven’t been able to get these two simple, profound principles out of my head.

Geek Principle #1: Impulse Control

The geeks explained the number one way to guard against Internet virus pirates who steal and corrupt data files is to control dangerous impulse practices. Don’t use easy passwords. Be careful which Internet sites are visited. Share personal information sparingly and wisely to keep yourself safe online.

Geek Principle #2: Proactive Practice

They described Proactive Practice as the consistent application of the Impulse Control principle on an ongoing basis.

Living by these two principles, according to the geeks, will protect us and the environments we care most about: ourselves, our families, and our enterprises. My thoughts? Like a yellow line of demarcation, these principles may help to keep us on the side of the street where we belong.

Now–ratchet the focus from computers to other life issues. How well do we implement these two principles?

The dude throwing trash from the window of his car–how does he think that’s okay? Did it start with a gum wrapper and de-sensitized Impulse Control?

The gradually growing love handles just above my belt. When did my weakened Impulse Control allow food choices and exercise habits to gradually conspire against me?

Temper and impatience can bubble below the surface, barely out of sight. When did I grant access to those treacherous partners to attach to me like remora fish?

But even after I identify the areas where I  lack of Impulse Control and try to corral the behaviors that hinder me, the job is only half done.

That’s when I need to apply geek principal #2–Proactive Practice. Consistent vigilance through Proactive Practice will help to keep destructive behaviors on the far side of the yellow line.