Night Owl Or Morning Person, And The Effect On Your Finances
I love early mornings. You get up, the world is fresh and you get a whole lot done before you head off to work. Nights, on the other hand, are down time. People who head out to party at 11pm are totally confusing to me, as the only place I head around that time is dreamland. Everyone is different but, whether morning or night person, it will have an affect on your finances. Here’s how, and how you can use your body’s best hours to improve your financial stability.
Morning Person
You’re up and at it early, often finding it hard to stay in bed once you’ve woken up. You’re best in the hours before 12, and tend to get fairly droopy after about nine or ten at night. Use your best hours. Talk to your boss about switching up your hours and heading into work at seven; there’ll be no one to distract you and you can head out at 3. Or use the time to exercise and catch up on your errands, before heading off to the daily grind.
Savings For The Early Bird
If you’re up early, there are two big ways you can save money before you even leave the house. With that extra time, you’ll sit down to have a proper breakfast (avoiding the 11am craving) and are more likely to pack your lunch, which is a serious saving over the course of the year. You’ll also be able to save money on early bird petrol costs, before prices rise in the heat of the day. Leisure activities benefit also; if you’re heading out for a meal, make it breakfast which is significantly less pricy than drinks and dinner, and head to cheap matinee tickets.
The Night Owl
Getting you out of bed is harder than moving Stonehenge, but come the wee hours of the morning, you are all go. It can be difficult to work around if you’re in the nine to five kind of way, but people who freelance or contract can move their hours to suit their body’s rhythms. You’re also much more capable of pulling an all-nighter for a deadline, and probably more adaptable to working round the clock. Consider heading to a late night gym or evening classes to get the most out of your best hours.
Saving Money As A Night Owl
Ever stayed out late and walked home to find a whole garden of delights for you to purchase at ridiculously cheap prices? The just-cooked fresh bread from the bakery you can buy for 2 dollars. The end of the night specials from pizza shops, or 7-11 trinkets. The world after midnight is a different place, and it is your oyster. There are other savings- look at going with a mobile phone provider who offers off-peak rates. You’re also less likely to use electricity in peak times, as you kick-start your activities in the cool of a summer evening and sleep through the coldest part of the day in winter. For leisure activities, check out theme park admissions (Luna Park in Sydney has a great offer on Friday nights) and late night movies. My brother went to the premiere of Harry Potter and said there was nothing like it.
Who Saves More?
There are advantages and disadvantages to both lifestyles. While morning owls might get marginally more discounted rate. as mentioned by Bright Hub, this has a lot to do with societal expectation. The most important thing is to work with your biorhythm, and not against it. You’re best at night? Find a way to use that time productively. Can’t stay up past nine o’clock- be aware of it, and use the daylight hours to their full potential.
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