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/biz/ - Business & Finance

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13383992 No.13383992 [Reply] [Original]

Any advice for doing a successful spending freeze? I've been throwing money around too much lately and it's making me feel guilty. I want to relearn how to go for months at a time without buying anything that isn't absolutely necessary.

>> No.13383995

its all mental. just ask yourself "do i REALLY need it?" no? ok.

>> No.13384004

>>13383992
>without
Take your paycheck and immediately allocate 75% of it to stocks and bonds. It's not really a waste and you won't be spending it.

>> No.13384023
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13384023

>>13383992
Pay yourself first.
Basically this >>13384004

Also avoid temptation as much as possible. Go buy things once a month and in the morning because in the morning your willpower is strongest.

Also, stop being a cunt and just do it!

>> No.13384029

>>13383992
Find free ways to feel good, like exercise.

>> No.13384054

Each paycheck I've got it setup to where $ XXX.XX dollars gets automatically sucked out and going to different accounts/purposes to aid my retirement years. This way I never miss the money and can't spend it either. Whatever amount is left after I pay my bills,etc is my "play money"

>> No.13384522

>>13383992
Buy a library card and a bicycle.
Take your bike everyday, to go rent a kayak with your library card.
Every weekend, rent a canoe instead of a kayak, and go fishing, until you have food for the week.
You will be spending less if you catch your own food, and all your activites involve free outdoor stuff.

>> No.13384538

>>13383992
Stop eating at restaurants.

>> No.13384570

>>13383992

take your own advice you fucking idiot

>stop spending money on things that aren't absolutely necessary

the absolute state of /biz/

>> No.13384809

>>13384522
what library rents kayaks in england?

>> No.13384894

>>13383992
I physically hurt myself before I compulsive buy. I usually bite my cheeks or tongue until they bleed a bit.

Pain is a free pleasure and motivator and friend

>> No.13385328

>>13384894
This. You need to start doing self-harm.