Frugal fatigue sets in if you've been sticking to your budget and making sacrifices for a while. Don't let it wreck your progress! Learn how to fight frugal fatigue and what you can do to overcome it.
Ever been inspired to start a new diet or exercise habit only to find yourself done with it after a week or two?
And it’s usually because I bit off way more than I could chew. Or I wanted immediate results instead of being patient and sticking to the plan.
Much like counting calories, eliminating certain foods from your diet, and getting up early to go to the gym, being frugal all the time can wear you down to the point of throwing in the towel.
If you’ve been limiting your spending for any length of time, there have probably been moments when you felt sick of it. I know I’ve felt it.
Several times I’ve been tempted to go somewhere, buy something, or do something I know would blow up my budget. Because of my commitment to frugality, sometimes I’ve felt like a social outcast, a cheapskate, and someone who obsesses over money.
That’s frugal fatigue.
Frugal fatigue is the feeling of being sick of watching every penny. It’s what happens when you grow tired of living on a strict budget and feel deprived, depressed, or burnt out.
Feeling this way can lead to reckless impulse spending. Delaying gratification and being strict with your money for a long period might cause you to snap, go on a wild spending spree, and completely wreck your budget.
Spending money wisely, getting out of debt, and saving for the future are all important, but it’s also important to allow yourself some room for fun.
Frugal fatigue or budget burnout can happen to anyone. The longer you’ve been living according to a strict budget, the more likely it is to set in. Several things can trigger it, including:
Yes, goals are critical to financial health and a good source of motivation. What if you thought you’d have a down payment for a house in a year? It’s easy to bring your lunch to work and take a staycation instead of travelling when you know the money you save will fund a down payment for a house.
But what if after all your expenses, you’re only able to save a few dollars?
Saving enough for a down payment feels impossible. That feeling of hopelessness can lead you to give up on being frugal.
When you’re living on a tight budget, any expense you aren’t prepared for can put you back to square one. A major car repair, a trip to the emergency room, or your hot water heater suddenly dying could erase your savings.
Rather than starting over, you might feel defeated and want to just scrap the whole plan.
When you commit to living on a strict budget, you frequently have to say no thank you to meals out, drinks, and other social events. Someone may come to you for help that you just can’t provide. After a while, you might feel cut off and alone.
You’ve probably stressed about money for some time, even before you started following a budget. But what if you’re still losing sleep over money problems and obsessing over every penny? You might decide to just ignore the whole plan and splurge to make yourself feel better temporarily.
One of the main reasons I’ve tried many popular diet plans and failed to stick with any of them long is a lack of patience on my part.
I don’t hate vegetables. I hate not getting results as fast as I’d like.
It’s tough to stay motivated when you feel you’re not making any progress toward your goals despite cutting back and saying no all the time.
Eating at home instead of dining out, waiting for clearance sales to buy clothes, and clipping coupons can become a grind. Luckily, there are many ways to fix frugal fatigue without giving up. Here are some ideas to help you stay on track and get past frugal fatigue:
As with any lifestyle change, it’s easy to go all out right away with big ambitious goals rather than easing into it. That leads to burnout and giving up. You can take it one step at a time.
Maybe you commit to tracking your spending for a week, cut up your credit cards, or start making coffee at home instead of hitting Starbucks. You don’t have to go from overspending with no plan in place to extreme frugality overnight.
Setting achievable, shorter term goals rids you of that feeling of not making any progress. Doing this really helped me get over my last bout of frugal fatigue.
I was feeling down about our finances. I realized all the goals we’d set would take a long time to reach. I just needed to break down some of our goals into bite-size pieces.
For example, in addition to the longer term goal of retiring all our credit card debt, I added little specific milestones along the way like paying off card one in six months. Doing that helped me get over the burn out I was feeling.
The purpose of a budget is not to torture yourself or drive yourself crazy. There are several budgeting methods, all of which can help you hit your financial goals. Some are less time consuming than others and some are well suited to helping you accomplish a specific goal.
Perhaps your current budget leaves no room for fun and it’s driving you crazy. Being a little more flexible might not get you where you want to go as quickly, but the added peace of mind might be worth the trade-off if you’re feeling like giving up.
To stay motivated, acknowledge your progress no matter how small. You’re doing better now than you were before you started, so give yourself a high five.
That doesn’t mean going out and booking your dream vacation or buying a whole new wardrobe, but you deserve a small reward. A nice meal out will do the trick as long as you don’t go crazy and wipe out all your hard work.
It’s normal to allow for recovery time between exercise sessions. We all take days off from work. It might be a good idea to take a short break from frugal living.
That doesn’t mean ignoring all your bills, plunging yourself deeper into debt, or buying whatever catches your eye. Maybe you don’t maximize your savings this month or you pay just the minimum on your credit cards for a month.
Financially it might not be for the best, but mentally it might be exactly what you need to carry on.
If you’re feeling like you have no social life or you’re just stressed out, remember that there are plenty of ways to have a good time without spending money.
You can enjoy the outdoors by yourself or with friends. Hiking, bike rides, and picnics in the summer or ice skating, sledding, and caroling in the winter are all fun, low cost activities. You can visit a museum, go to the library, or have a game night or movie night any time.
Spending less money isn’t the only way to save money and reach your goals. Making more money would help you save for specific goals, pay down debt, and fund your retirement without forcing you to make do with less. Fortunately, there are all kinds of ways to make extra money.
You can ask for a raise at work. Part-time jobs, seasonal work, and freelancing in your spare time are also good options.
Frugal people raised me to be frugal. I still get sick of it sometimes. I have definitely veered off course a few times as well thanks to frugal fatigue.
But I know it’s only temporary.
You can fix frugal fatigue by reminding yourself you don’t have to be perfect. Pat yourself on the back for every win. It’s OK to reward yourself or take a short break.
Realize that you’re better off now than you were before. Resolve to get back on track as soon as possible.
Hi I'm Sara! My husband Jerry and I are on a mission to earn more, spend less, get out of debt, retire early, and enjoy life to the fullest. We want to help you do the same. Learn more →