Reply to Make $200k, credit card debt, no savings

Forum Index » Money and Finances

Reply to "Make $200k, credit card debt, no savings "

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous][quote=Anonymous]I appreciate all the help from most of you.

This is going a little downhill and I just can't cope with the judgment. We've screwed up, spend too much, it's crazy, etc. I know that and need to change. No need to call me a hoarder or act like I'm stupid. We all have our issues, I'm sure you have yours it just might not be money. [/quote]

OP, I'm sorry you're feeling attacked. The positive message is that most people don't spend like this - which means you don't have to either! Every single time you are thinking about buying something ask yourself if you actually need it. If you buy things online, make yourself wait a day to complete the purchase to see if you actually come back to it. If you do a lot of spending in person, try to go somewhere else instead of the store like a park or a free museum if you're in the DC area.

[/quote]

OP can you do some kind of one-month effort to stop doing something cold turkey?  I remember when my grocery bill was exploding (not due to inflation; this is a few years ago) I tried to only eat from my pantry for the entire month of January and was pretty impressed at how creative I got.  I found gamifying the process for myself and being proud of frugality really helped my mindset when I was cutting back on things I really enjoyed.  I do think subscriptions/Amazon Prime/etc are dangerous to budget -- if you have to pay shipping/extra every time you want a nice thing, it helps you realize that maybe you don't *need* that thing after all.  It's akin to the sunk cost fallacy.

Good luck, OP!  You got this![/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics