Hey Big Spender!

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I'm Jade Scarfone.
A digital strategist and transformation catalyst, merging a decade of corporate systems mastery with a profound journey of self-discovery. From navigating the high-stakes world of banking to making waves in high-ticket affiliate marketing, I'm now dedicated to empowering entrepreneurs through strategic digital innovations. 

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Hey Big Spender, this one’s for you…


Hey big spender, here’s how to cut back on your frivolous spending.

When you start an online business you not only need to invest a lot of time to get it right, but also a bit of money. And if you are going to invest so much time and money into something, you want to make sure you’re getting the most return from it.

This is how you determine the serious people from the not so serious ones. If you’ve got what it takes and you are investing your all into your new venture (and if you were a big spender to start with) it may be time to tighten those purse strings to make sure you can put your money where it needs to be.

As a self confessed big spender, I’ve determined a short list of ways I’ve managed to cut back recently, to ensure I have the $$ to invest in getting my dream lifestyle. Hopefully these are also things you can apply to your day to day so you too can start living the life of your dreams.


1. Budget.  

Of course that dreaded ‘B’ word had to get a mention. The first step to cutting back is to find out where your money is actually going. Yes it’s scary (believe me), I did this for a month and although I always knew where my money was going I didn’t realise just how much I was throwing away until I saw it all noted down in front of me. Once you know you’re worst areas you can decide how much you want to cut back and then allocate the extra bits to your new business spending.

2. Ditch the big brands. 

I used to think if something was more expensive it was guaranteed to be better quality. I’d buy brand names in everything from clothes and accessories to makeup and skin care. Then I learnt a lot of companies get their stock from the same factories then change the tags to price according to their brand. Before you know it, that exclusive, one of a kind dress you bought turns up in the chain stores and everyone is wearing it! The only difference is you paid $500 for something everyone else paid $50 for.  Same goes for makeup (and everything else I assume). One of my friends that works in retail let slip that the makeup stocked in her store happens to be from the same stock as a high end makeup range, yet you can get it for half the price in this shop. Do your research and save yourself loads.


3. Something borrowed is better than something used once and discarded. 

There’s a reason so many clothing rental shops are popping up – for those of us that still want to believe in brand names this is an affordable way to get what we want. And lets face it, once you’ve splashed 100 photos on Instagram and Facebook in that outfit, you weren’t going to wear it again anyway. So, instead of spending  100’s of dollars on something that will inevitably be worn once then sit in your cupboard for years collecting dust (because you love it and will definitely wear it again) before you eventually get rid of it, why not rent it for half the price? This rule can apply for anything – do you love buying books? Why not visit a library instead. Movies, rent them! If you think about everything you buy, I can safely say nine times out of ten there is an alternative to borrow it.

4. Eat at home. 

This is probably one of my biggest problems. I love food and I love variety and eating out forms a big part of my social life.  I’ve never really bothered to learn to cook and I’ve never gotten into the meal prep phase. There are days when I would buy breakfast, lunch and dinner. Don’t even do the math on that, it’s scary!! If you still like to eat out, and can’t fully commit to meal prep, at least start by only eating out once a day, or do a big food shop and buy staple items you can keep in the office so you aren’t tempted to buy every meal. I now keep muesli, fruit and yoghurt at work for breakfast, and tuna tins, crackers and rice for lunch. And I try to limit myself to only eating out on weekends. Not only is this better for my diet, but my bank balance is looking a lot healthier.


5. Stop going out. 

Following on from eating at home, stop going out so much. I’m not saying become a recluse and stay home 24/7, but if you’re one of those people that suffers mega FOMO and generally find yourself squeezing in as much as you possibly can just to show people you’ve been to things, stop it. Example – everyone is going to this festival so I have to go. Stop and think about your reasons for going, if you love festivals, and the lineup is incredible, and you’re going for the music then full steam ahead. But if you’re just going to be seen, stop it, chances are you’ll spend more money than necessary trying to get drunk to make yourself actually enjoy it then not remember anything anyway and wake up regretting the state of your bank account. Same goes for clubbing on weekends. If you’re already telling yourself you need to get really drunk to enjoy something then that’s a pretty good sign you shouldn’t be going.

6. Become one with nature. 

I’m not telling you to become a tree-hugging hippie (but go for it if you want). However, the best things in life are free, and nature is totally free. We live in a beautiful world full of incredible sights. Enjoy it – go to the beach, go hiking, watch sunrises and sunsets, swim in lakes, climb rocks, go camping, sleep under the stars. You’ll end up having much better experiences anyway because most of the time you can get off the beaten track and away from crowds and truly enjoy these moments with people you actually like.


7. Open an interest bearing account and remove it from your internet banking. 

Out of sight, out of mind. Set up an automatic payment to go to this account every pay day, then delete the account from your internet banking so you can’t be tempted to access the funds. Opt to receive statements every few months and watch that balance grow. Before you know it you’ll get so excited about the growing balance that you won’t want to touch the money, unless it’s to put towards something you’ve specifically budgeted and saved for of course.

8. Don’t spend your coins. 

I save all my coins and put them in a money box. Every few months I bank these funds and generally end up with an extra $300-$500 that I otherwise would’ve spent on useless items or food. I used to be so bad with coins and not take change from shops etc. but every little bit counts and when you add it up over time it makes a big difference.

There you go, I hope these tips have been somewhat helpful. If you have some of your own I’d love to hear about them in the comments below.

And if you’d like to learn more about my online venture or are considering starting your own why not start here.

Before you know it this could be you.



Much love.

Jade xo

P.S. If you like what you’ve read feel free to like, comment, or share. Your time reading my post is greatly appreciated. 🙂

**Please note, there are affiliate links in this post. The services I have recommended are the services I personally use and honestly recommend to anyone wishing to start a business of their own. No extra costs are incurred for you; the referral commission simply contributes to bringing you valuable content. The links have changed since the post was originally written as I have now found a service that suits me better, and I believe will be the same for you.


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