For most of us, the weekends are when we get stuff done. We start on Saturday morning (maybe a bit later than usual because it’s a weekend), probably carry on into Saturday afternoon and hopefully get everything ticked off by Saturday evening so we can focus on resting, relaxing and recuperating until Monday. That being so, for many people it actually makes far more sense to start their budget week from Saturday, rather than from Monday. Here are some reasons why.
Saturday is the day most people do their big shop
Supermarkets are always crammed on Saturdays, especially during the daytime, plus there will be plenty more people avoiding the queues and getting their shopping delivered at home when they’re in to receive it and put it away. This means that Saturday is probably going to be the day when you do most of your essential household spending, so it makes sense to do it at the start of your budget week when you still have all that week’s money to spend. On the one hand, it will ensure that you have the money to spend on everything you do need. On the other hand, knowing that you still have to get through another 6 days should hopefully keep in check the temptation to spend too much.
Sunday is the day when people have time to do proper meal prep
So you’ve started your budget on a Saturday and now you should have just about everything you need for the week ahead, including most foods (except maybe stuff you buy really fresh, like milk). Now, of course, you need to do something with it and you still have another day in which to do so, no excuses. Sunday is meant to be a day of rest and that’s exactly what it should be if you’ve been working all week and spent Saturday catching up with all your key personal tasks (including the dreaded weekly grocery shop) but there’s still room for a bit of productivity, which will pay dividends later in the week, especially if you’re on a tight budget and are planning to make your food budget go further by doing as much home cooking as you possibly can. Plan out your meals and see what preparation you can do at the weekend. That way you’ll be a lot less likely to end up spending money on convenience food because you’re too busy/tired to cook properly during the week (and you’re less likely to end up wasting the food you bought).
Sunday is the day you can take a bit of time out to do proper planning
Sunday may not be the day you want to tackle major financial topics like retirement planning, but it’s a great day to do a little light financial housekeeping. You’ll have done your weekly shop and your meal prep and by this point, you should have noticed if you forgot to pick up any other items you’re going to need during the week. Now you can see how much money you have left and take care of any further necessary spending. For example, if your phone’s on pay-as-you-go and you know your monthly bundle is due to end during the week, then you can just take care of it on the Sunday and that’s it done and you won’t be able to forget and spend the money on something else. Similarly, you might want to think about paying bills manually on Sundays, so you know it’s done and you don’t have to remember that you need to keep money in your bank account to cover a direct debit/standing order.