Get expert advice delivered straight to your inbox.

Skip to Main Content

How Routines Eliminate Chaos and Help You Save Money

Is this shirt clean? Where’s the coffee scoop? What should I pack for lunch? Do I need to stop and get gas before work? Did someone feed the dog?

Mornings! So little time, so much to do.

If you’re making a million decisions before you leave the house, you may be setting yourself up for a day of overspending. Why? It’s called decision fatigue. And it happens when you run around your house, making choice after choice until your head spins.

By the time you arrive at work or get the kids off to school, you’re over it. You’re ready for easy.

Maybe that means buying a coffee on the way to work when you have a bag of gourmet beans on the counter. Or maybe that means picking up pizza when you have plenty of groceries in your fridge. Whatever it is, you’re looking for convenience, not what your budget allows.

Scientists have even documented this phenomenon. In a study by Case Western Reserve University researchers, participants were asked to eat only radishes instead of the freshly baked cookies in front of them. A luckier group of participants, however, got to chow down on the cookies.

Afterward, both groups were asked to complete a secretly unsolvable puzzle. Guess who focused better on the task? The cookie eaters! It seems the radish eaters were so tuckered out with self-control that they gave up on the puzzle twice as fast.

No, this doesn’t mean that eating cookies makes you smarter—although that would be awesome. It means that exerting all your willpower early in the day is exhausting. And it’s easier to say to heck with it when it comes to budgeting decisions later.

There are lots of small ways you can set your mornings up for big success. And they all start with some simple pre-planning.

Start by eliminating the early morning madness in a few key areas:

  • The Closet Shuffle. You’ve heard of picking out your clothes the night before. But what if you took it a step further and picked out your clothes for the entire week? Simply clear a small section of your closet and arrange your outfits accordingly. Then all you have to think about in the mornings is your shoes and accessories. Yeah, you’re a trendsetter.
  • The Brown-Bag Quick-Grab. If you’re planning to pack your lunches every day, do it after dinner. During meal cleanup each night, box up some leftovers and stick them in the fridge next to an apple or a simple Mason-jar salad. Come morning, you can grab it quickly and go.
  • The Coffee Pot Roundup. Don’t have an auto-grind coffee maker? No worries! Just grind your beans and measure your water the night before. Maybe do it during a commercial break or before you turn off the lights for the night. It takes all of three minutes, but it can set you back 30 minutes in the morning (or at least it feels that way). Pre-set it and forget it.

By having a morning routine in place, you will eliminate the risk of entering decision fatigue early in the day. Save your willpower for more important decisions, like whether or not to spend money.

Create a budget that makes it easy to know what you have left to spend each day. It's free, and it only takes 10 minutes with EveryDollar.

Did you find this article helpful? Share it!

Ramsey Solutions

About the author


Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners. Learn More.

Related Articles

5 Ways to Prioritize (That Actually Work)
Personal Growth

5 Ways to Prioritize (That Actually Work)

Prioritization is how you decide what’s most important in your life and giving those things the right amount of attention and time. Here are five ways to prioritize.

Ken Coleman Ken Coleman
How to Manage Your Time
Personal Growth

12 Time-Management Tips to Improve Your Life

Time management isn’t about doing more things—it’s about doing the right things at the right time. Here are 12 practical tips to make the most of the one life you’ve been given.

Jade Warshaw Jade Warshaw
How to Say No
Personal Growth

How to Say No: 6 Tips

When we say yes but don’t mean it, we end up exhausted, anxious and burnt-out. Here are six tips to learn how to say no without feeling guilty.

Dr. John Delony Dr. John Delony