I love lux goods! But like most of us, I’m in no position to just spend money whenever and however I want.

As I mentioned in my blog, I actually plan out the majority of my shopping trips in order to maximize savings and not break the bank.

Whenever I’m serious about an item on my wishlist, I use this modified savings calculator on excel to see how much I need to save each month to afford the item.

This is a simple plug and go sheet that can really be used for any savings tracking. It is set by default for 180 days, but you can go in and change many of the perimeters for your own needs.