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  • How to live like a Minimalist

    How to live like a Minimalist

    Minimalism is best known as the simple and bare interior trend, but it’s so much more than that! The minimalist movement has gained popularity because of the life changing benefits of removing physical and mental clutter. Naturally you’ll discover you can live with less, which equals more space, time and money, and who doesn’t want that? 

    So, using a minimalist’s approach to living, here’s some tips you can implement to optimise your life and pave your own version to freedom!

    List goals and track them

    Why do we want to live more minimally? It could be to save for a home project, have more time to spend with your family or be less stressed overall. By checking in on our goals regularly, we can remind ourselves where we are willing to spend or save to avoid unnecessary impulse buys.

    Tidy up your home

    Remember the sigh of relief when you sit back to enjoy a view or simply a freshly cleaned home? That’s because clear open spaces naturally trigger a relaxed state. Imagine feeling that all the time! Donate or sell duplicates, unused items and declare clutter-free zones. Check out the KonMari method to help you get started. You’re guaranteed to feel instantly relieved.

    Clear your calendar (or make one)

    Consolidate any calendars you have, like work, family and personal. You’ll then be able to see red flags like overlaps and too many back-to-back appointments which can leave you frazzled and burnt out. If you don’t have a calendar, make one – the more you know about your plans that day, the more it will allow you to make considered decisions for a structured routine. Your mind will thank you.

    Declutter day-to-day expenses

    Money can be stressful. So, time to take charge and get to know your bank statements. Pay close attention to outgoings as it’s common for free trial periods to end, or auto-renewals to continue without any notice. You may also realise the stark reality of unnecessary spending or overspending on items that you could reel in on like dining out or entertainment.

    Trim major on-going payments

    Trimming off bells and whistles like multiple credit cards or asking your RAMS Home Loan Specialist about offset accounts and consolidating debts could potentially save you not only time, but money as well.

    Reduce and Reuse 

    Replacing one-single items in your home with reusable ones can save storage space, money and reduces environmental impact. For example, most cafes will offer discounts if you bring in a reusable cup, a saving as small as 0.20 cents saves you $52 a year! Combined with other savings you find; this can add up to saving hundreds of dollars.

    Invest in quality, not quantity

    Avoid adding clutter and spending more on replacing items. Invest in good quality items that will last longer and save you money in the long run.

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    About the author

    • Raymond

      Raymond A Ram is the RAMbassador for RAMS Financial Group. Raymond works with the RAMS team to bring simple, helpful and expert information on home loans and savings accounts to life with his down to earth and cheeky personality. He enjoys seeing everyday Australians turn their dreams of saving for a goal or getting into a home a reality. 

      Growing up in Goulburn, NSW, Raymond was brought up with good old-fashioned Aussie values of hard work and a fair go. It soon became apparent that Raymond wasn't content for the conventional path of grazing, producing the very best wool, and finding a nice sheep to settle down with. So it wasn't long before his passion for performing and his talent as a likeable larrikin shone through - landing him a few roles such as 'RAMlet'. He was even tipped to play RAM-bo at one point but chose to become star of the small screen instead as RAMbassador for RAMS. He now finds this role so much more rewarding.

      Contact your local RAMS Home Loan Centre about your home loan options.

      Raymond A Ram

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  • Disclaimer:

    The information here is of a general nature only and is not intended to constitute financial or tax advice. You should consult your professional adviser, accountant or taxation expert for advice specific to your personal circumstances.

    The views and opinions expressed in this article are those of the author alone and do not necessarily represent the views or opinions of RAMS Financial Group Pty Ltd ABN 30 105 207 538 (RAMS),  Westpac Banking Corporation ABN 33 007 457 141 (Westpac) or their related bodies corporate. This article is strictly for information purposes only and neither RAMS, Westpac nor any of their related bodies corporate make any representation as to the accuracy or completeness of the information in this article or endorse the views expressed in it.