I have a bad problem. First, i receive a good amount of money, promise myself to save it and only spend a certain amount, then head off to the mall and spend everything!! sometimes im sucessful in saving at least half, but when i get bored i blow my money on little things just to buy something. how can i stop this wasteful pattern?
2006-08-20 12:06:48 · 6 answers · asked by Super*Nova 1 in Business & Finance ➔ Personal Finance
You need to get some activities. A sport, exercise, gardening, crafts, whatever.
Buying stuff is a way to create an impression in your mind of an activity without actually going to the trouble of doing anything.
Sometimes I am tempted to buy fishing gear. I already have fishing gear.
When I am out on the river fishing, I don't feel tempted to buy anything because I am doing what I would be buying the stuff to do.
When I am at work and I want to be fishing, I am tempted to buy a new rod or something like that.
If I would just be patient and wait till I am not at work, I could get the pleasure of fishing without wasting my money.
2006-08-20 12:13:16 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Place this money where it is far less liquid, like getting a savings account but refuse the ATM card or debit card. This way you never have quick access to the money. You could also try a certificate of deposit depending on the amount available to save. Often these accounts have a minimum balance, but they reuire you to keep funds on deposit for a certain period of months or years. You have to pay a penalty to withdraw early. Keep reminders and motivators for whatever cause you are saving for. Don't deprive yourself entirely of the money. Determine an appropriate amount to indulge, and create a shopping list before you head out to the mall or other stores. I try to keep in mind certain items that are most useful, and I also set for myself a price threshhold for the value of the item. For instance, I want a pair of jeans, but I won't let myself spend more than $30.
2006-08-20 19:21:19 · answer #2 · answered by Freddie 3 · 2⤊ 0⤋
get rid of your credit cards. try automatically putting money into an account through direct deposit through work. make it difficult for you by not getting a check card and banking the old fashion way. that way, you can withdraw a certain amount and having to go into a bank will deter you from spending any more.
2006-08-20 19:15:50 · answer #3 · answered by CaramelKidsMom 3 · 0⤊ 0⤋
Never give a women your credit card.
2006-08-20 19:12:31 · answer #4 · answered by HarrisonZ 3 · 0⤊ 0⤋
send me the money and i will save it for you - e-mail me and we can start real quick so you will have more . TY
2006-08-20 23:19:13 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You should go see a psychologist!
2006-08-20 19:15:33 · answer #6 · answered by Fashion Divah 2 · 0⤊ 0⤋