5 Ways I Choose Convenience While Paying Off Debt — And Why That’s Okay
When I first started my debt payoff journey, I thought I had to do everything “by the book.”
📦 No takeout.
🛒 No online grocery orders.
🧴 No stocking up on anything unless I absolutely ran out.
Because that’s what the personal finance and minimalist spaces kept telling me:
“Spend less. Own less. Sacrifice now to win later.”
And while some of that advice helped me get started, I quickly realized something important:
Convenience is a luxury — but it’s one I can choose intentionally.
Paying off debt doesn’t mean you have to live a life of constant restriction. As I gained momentum, hit milestones, and actually saw progress, I learned that building small conveniences into my budget helped me stick to my plan, stay sane, and create a calmer home for my family.
Here are 5 ways I intentionally choose convenience — even when it contradicts traditional money advice:
1. I Stockpile Necessities When They’re on Sale
Minimalist advice says, “Only buy what you need right now.”
Personal finance gurus say, “Don’t spend extra on stockpiling.”
But for me? Grabbing shampoo, vitamins, toothpaste, and diapers when they’re on sale saves me money and mental energy. I don’t want to pay full price later, and I love knowing my family is set for months.
For me, stockpiling isn’t “hoarding” — it’s intentional preparedness.
2. I Pay Extra for Grocery Pickup
Yes, I could spend an hour roaming the aisles, trying not to impulse-buy snacks.
Or… I can pay a $2–$4 fee and have my groceries brought to my car while my baby naps in the back seat.
That small cost buys me back time, energy, and sanity. To me, that’s worth budgeting for.
3. I Use DoorDash — But Intentionally
During pregnancy and postpartum, I used DoorDash a few times a week.
Not because I was lazy… but because I was exhausted, overwhelmed, and needed help.
Here’s the key:
• I used DashPass for free delivery.
• I hunted for promo codes and deals before placing orders.
• I built those nights into my monthly food budget.
Choosing takeout intentionally made life easier without completely derailing my debt payoff plan.
4. I Build Convenience Into My Budget
When you’re just starting your debt payoff journey, you might have to cut everything “extra.” But once you start gaining traction? You have room to breathe.
I’ve learned to budget for small luxuries — whether it’s pre-cooked chicken, baby wipes on subscription, or ordering dinner after a chaotic day.
Because when I plan for convenience, I don’t feel guilty for choosing it.
5. I Redefine What Intentional Living Means
Minimalism says “own less.”
Personal finance says “spend less.”
But my version of spending intentionally is this:
I spend where it matters, save where I can, and allow convenience where it makes life easier.
You’re not “failing” at minimalism or debt payoff just because you prioritize convenience. You’re creating a system that actually works for your season of life — and that’s the whole point.
Final Thoughts
As you gain momentum in debt payoff, you get to choose your priorities. Adding small conveniences to your budget doesn’t mean you’re giving up on your goals — it means you’re creating a plan that’s sustainable long-term.
Sometimes, making life easier is the real luxury. ✨
💛 Share with a friend on their journey
💛 Follow @Spending.Intentionally on Instagram for mindful living & debt-payoff tips
