
As September and my birthday approach, I become acutely aware that the year is heading into the final waning quarter. We race about exclaiming ‘where did the year go?’, like we have done every year before this and no doubt will in years to follow. But years come and go in days and hours, in the actions and inactions that we succumb to in the moment. At the time they seem such tiny decisions that they really don’t matter but when we add them up, those moments become minutes and hours and then days and months.
It reminds me of that small biscuit that can’t possibly make a difference yet over time adding up to extra kilos or the five dollars for a coffee that can add up to a substantial amount of money when invested. We often look for the big things that make a change in our lives when we should be looking at the micro-moments that have the real impact.
Recently, I have begun to question every one of my purchases. Do I really need it? Will I really use it? How much will it be worth to me in six months’ time? They are quite sobering questions, and I have found that many things are quite unnecessary. This has also allowed me to appreciate the things I do have. The exception to my newfound frugality is buying books, but even there, I have curbed my spending. In part, because I am running out of both shelf and wall space to accommodate them.
As I approach the last quarter of the year, I am disappointed with my lack of progress on some goals but at the same time, I am buoyed by the progress of others. On reflection, this sounds fairly normal. We dream big at the beginning of the year but then, getting through the day with all its demands wears us down little by little. In addition, like joker cards, life’s twists and turns can jolt our lives onto a different track altogether.
I head into my birth month taking stock of this past year, what I can achieve as we sprint towards the finish line of 2025 and what lies ahead for me in the coming year. I’ll be a year older, none-the wiser, but feeling positive about some of the habits I have been developing. Spending less and living within my means is a basic tenet in life that I should have acquired decades ago but I am proud that in this season of my life, I am on my way to conquering my spending habits and learning to make the moments count. It turns out, the last quarter of the year, and of life, is also shaped by the smallest of choices.




