The Rule of 12: Rethinking How You Spend Your Money

Enjoy Your Money—Mindfully

This isn’t about deprivation; it’s about alignment. The Rule of 12 helps you enjoy your money while keeping an eye on the bigger picture. By thinking long-term, you’ll develop a deeper appreciation for the purchases you do make—and the goals you’re working toward.

Let me know how the Rule of 12 shifts your thinking! What recurring expenses will you rethink this month?

"The road to wealth is paved with good habits." - Brian Tracy

Have you ever stopped to think about how small, recurring expenses add up over time? That $50 uber eats takeout might not feel like much in the moment, but what if you spent that same amount every month for a year? That’s $600—enough to make a significant dent in your savings goals, pay down debt, or even invest in your future.

This is what I call the Rule of 12: a simple way to shift your perspective on spending by looking at the annual cost of your habits.

Why the Rule of 12 Works

When we make spending decisions, we’re usually focused on the short-term—the immediate gratification of a meal, a subscription, or a new pair of shoes. But what if you reframed your thinking? What if, instead of seeing $50, you saw $600?

By zooming out and looking at the full-year impact, you give yourself the power to make more intentional choices. This doesn’t mean cutting out all the things you enjoy. It’s about finding balance—spending on what truly matters while staying mindful of how your habits affect your long-term goals.

How to Use the Rule of 12

Pause Before You Swipe: The next time you’re about to make a discretionary purchase, multiply the cost by 12.

“Is this $20 subscription worth $240 a year to me?”

“Would I be happy spending $600 annually on dining out?”

Decide What Matters Most: If the answer is “yes,” enjoy it guilt-free. If it’s “no,” redirect that money toward something that aligns with your priorities.

Celebrate the Trade-Offs: Every dollar you save from unnecessary expenses is money you can use to build the life you truly want.

I’m excited to invite you to join the Money Momentum Challenge: a FREE 5-day experience designed to help you:

✅ Understand where your money is going.

✅ Break free from unconscious spending habits.

✅ Start saving and building wealth—one small step at a time.

If this sounds like the right next step for your financial journey, I’d love for you to join the waitlist for the Money Momentum Challenge: