Plan a Values-Based Approach to Spending

Most spending does not reflect a decision; it reflects a habit or a default that was never reviewed. This designs a spending framework grounded in how you actually behave rather than a values list from a self-help book: how to find the gap between stated priorities and actual spending, a ten-second decision rule for new purchases, and the annual question to keep it honest.

Help design a spending framework where money goes toward things that genuinely matter rather than things that have accumulated by default.

Cover:
1. The exercise for identifying spending that reflects actual values versus habitual expenditure (not from a list of values; from the person's own behaviour)
2. How to find the gap between stated priorities and actual spending distribution
3. A decision rule for new expenditure that takes ten seconds to apply
4. How to reduce spending in low-value categories without a budget that requires ongoing willpower
5. The one question to ask annually to keep the framework honest

Under 300 words.