When you are busy, do not spend time saving money. If you can, spend money saving time instead.
In other words, time, and what you do with it is far more important than money, and what you do with it. Unless you are using money to save time. Money can buy you time, if you pay other people to do the things that do not directly add quality to your life. That frees up your time to do more quality things.
Once you get too busy, every decision to do something becomes a decision not to do something else. That is important to remember.
For example, recently my very busy wife and mother of our 3 year old and our 9 month old, wanted to save money on vegetables by making a weekly trip to another store. I advised her not to. Why?
It would take her an hour to go to this other store, shop, and return. When we calculated the savings, she would have saved roughly $1.00 per 5 lbs of produce. That’s about a week’s worth for us, since we do not cook all that much (mostly microwave since we’re busy). She just valued her time at $1.00/hour.
Plus, she wants to cook more. If she spent another hour of her busy life shopping, that is less time to cook. We decided it would provide more quality to her life, and our family, if she spent the extra dollar or two at our regular store, and used that hour to cook a weekly meal.
Ideally, if we were wealthy, we would hire somebody to do our shopping for us, or have it delivered, saving another 4 hours a month. That is now a goal of ours.