It’s Monday.

On Monday’s I sit down and work out my schedule for the week.

it’s a new thing, but I’m really trying to get control of my time… and I’ve found this to be really helpful.

…. when I do it.

The funny thing is that every Monday I find myself actively resisting doing this thing. Actively doing anything else in order to avoid doing a thing I know for a fact has been really valuable for me.

And I had a thought about that which relates to both money and time that I wanted to share with you (instead of actually doing the scheduling).

Am I fighting the exercise of sitting down and budgeting my time because part of my brain knows that it’s impossible without major change?

This is my fear.

My fear is that the end of every exercise is that I need to make some major changes to how I spend my time.

My fear is that there are problems with my current habits.

Important things aren’t getting done, and less important ones are being obsessed over.

I know that if I keep sitting down and engaging with my time… I’m going to come to the conclusion that there need to be changes.

And not just changes… but hard conversations with people and projects that I really enjoy.

There might be disappointing people.

There might be accepting the fact that not only can I not do as much as I’m trying to do right now, but in fact… I’m not succeeding at doing all the things I’m committed to in this particular moment.

And that sucks.

Are you fighting the exercise of sitting down and budgeting your money because part of your brain knows that it’s impossible to actually balance things without major change?

Because if you are … I get that.

I get wanting to bury your head in the sand and not know… because as soon as you really know… as soon as it’s there in black and white in front of you, you have to deal with it.

And that might mean some big changes.

It might mean spending less.

It might mean major changes in what you feel you’re able to do.

Except you’re probably not actually doing it right now. You’re probably making a bunch of commitment and then as the money runs out… backing out of some, or borrowing from the next months commitments to temporarily get through another week.

You know you need to do less, you need to spend less, because you feel the stress of not having enough to handle all your current obligations.

That’s why you’re worried about it.

That’s why I’m worried EVERY WEEK about my time.

But I’m also scared of doing something. I’m scared of fixing the problem.

And I know that doesn’t make sense, but I think to some of you it might make a whole lot of sense.

For today I’m going to acknowledge that feeling. For today I’m going to hear that fear and not tell it that it’s completely crazy.

But also… today I’m going to budget my time anyway, I’m even gonna try and find something to say ‘no’ to. … and maybe next week it’ll be a little easier. 

Update: I wrote this piece almost a year ago and never published it on the blog. It’s so interesting to think about that struggle with time and how much differently I feel a year later. The numbers are scary but THEY HELP. I promise they do. 

Emily Nixon

Emily Nixon

Rags to Reasonable Community Outreach Coordinator

Emily Nixon is an actor/writer/director/filmmaking Swiss Army Knife. She is also a big money nerd and Community Outreach Coordinator for Rags to Reasonable.

She came to this work after becoming completely fed up with living paycheque-to-paycheque and being too afraid to look in her chequing account. She is passionate about empowering other artists and variable income earners to keep doing what they love and feel confident about their finances.

Email Emily at

Want to start getting control of your money? How can I help?