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[quote=Anonymous]I don't need budgeting advice, I need tough love on actually sticking to it.

I've made myself a fantastic budget: it involves putting an extra $1000 into rainy day funds and investments (on top of maxing out my 401K), some money put aside for future expenses like a new car, and catching up on my student loans. And it doesn't even require huge sacrifices like eating Ramen or doing all my shopping at 7/11 or never going out. It's just basic fiscal restraint.

And yet I can't seem to stick to it. The worst is the impulse purchases, usually take out meals or bar drinks. And then it's the mid-range luxuries, like a group of friends want a weekend getaway and who wants to say no to that, and it's just an Airbnb split six ways, right? Or, I need a haircut, and I can't say no to a deluxe color treatment as well, right? All this crap adds up. The excuse is that the work week just wears me down (I do like my job, but it does wear me down a bit) and I can't fight the urge to "treat myself" and say no to things, because that takes mental restraint that I've spent all week at my job. How do I attack this and stick to my totally sane, sensible budget?

Side note... the car issue. A new car will inevitably in the nearish future cross the barrier between "want" and "need." I drive an absolute beater. It's a 17 year old Toyota with a huge dent and a jammed window with 200K miles on it. I'm fine with driving this thing into the ground, but at some point, the maintenance will be as fiscally draining as saving for a new one. Aesthetics be damned, but once the transmission starts whining and the battery dying, will it be worth it to go through another round of overhauls before I retire the poor thing? If the car dies in the summer, I can get by on a bicycle for a few more months, but not if the car dies in the winter. [/quote]

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