Episode 20: Spending vs Budgeting: Aligning Your Values and Goals to Your Finances.

A budget isn’t about restriction—it’s about intention. This week, we’re showing you how to align your spending with your personal values and long-term goals. When your money reflects what matters most, financial peace follows.

Darren Devine, CFP®, CLU®

Financial Planner, Sun Life
President of Devine and Associates Financial Services Inc.

Hello, and welcome to Money Monday, where we help simplify your financial journey. I'm Darren Devine, Financial Planner with Sun Life and President of Devine & Associates.

Today let’s talk about spending and budgeting. Money isn’t just about numbers—it’s about aligning your finances with what truly matters to you. That’s why smart budgeting isn’t just about cutting expenses; it’s about making sure your spending habits reflect your values and goals.

Start by asking yourself: What do I truly value? Whether it's financial security, family experiences, or long-term wealth-building, your budget should support those priorities.

One of the biggest mistakes people often make is spending mindlessly. Instead, track where your money goes and evaluate whether those expenses align with what’s important to you. For example if you value travel, but most of your budget goes to impulse buys, it may be time for a shift.

A well-structured budget doesn’t restrict you—it empowers you. It helps ensure that you’re setting aside enough for savings, retirement, and future opportunities while still enjoying life today.

The key is to be intentional. Automate savings, categorize spending, and regularly check in to see if your financial habits match your goals. If you are unsure of where to start, we can help you create a system that works for your unique situation.


Thanks for tuning in. Don’t forget to like and comment for more episodes filled with tips to help make your financial journey a breeze. Until next time, I'm Darren Devine, and you can always talk to us today at DevineAndAssociates.ca!