Since the first day I started planning, I was obsessed. With that obsession came a need for possession; I had to have ALL the things! All the stickers, all the planners, and definitely all the inserts. Unfortunately, my need to have everything was soon met head on with my need to budget myself (as mentioned before, it is my new main goal). With that in mind, I decided to be more minimal in planning style. Not too minimal because you know, ALL the things, but minimal enough that I no longer felt like I was bleeding money.
One of the main things I cut down on was basic planner costs. I switched to ring-bund planners so that I could customize my inserts and use printable pages instead of physical products. I am lucky enough that I can get inserts from my shop (that you can find here) but I definitely am a huge user of printable inserts.