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Reply to "Help! I am a serial spender....."
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[quote=Anonymous]Pay yourself first. Have money from your paycheck deposited directly into a savings account, IRA, and 401k/403b/etc. Try not to look at these accounts much. Set up auto debits for recurring expenses like rent or mortgage, charitable donations, and phone/cable bill. Whatever else is left in your checking account is for you to use. As long as you can pay your bills at the end of the month, you are living within your means. I max out retirement savings, have no debt but mortgage (and pay extra on it each month), and give 10% of my gross salary to charity each year. When I splurge on something I think of it as stimulating the economy (tipping well is part of this). So if I want to go to a baseball game or a play or a restaurant, it's fine--nobody knows how long they'll live, so it's good to enjoy life while you can, while still planning for the future and not digging yourself into financial holes. [/quote]
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