Do you feel guilty after spending money?

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I know I need to treat myself once in a while but damn :noah:

I be feeling guilty AF :noah:

I spent about 350-400 on myself on a ps4 and some games and the nes classic :noah:

I'm happy but I be like that could go into my savings or be used to pay off my car :noah:

I really got PTSD from my broke days in the hood :wow:
 

YouMadd?

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No because I use the "Jar Method".


I set aside 30% of each check in a savings account designated to be spent later on something big. This is a long term thing. Maybe you buy something big every qtr of the year, OR one big thing at he end of the month.


I take another 10% of my check and put it in a play money checking account. So I have play money in the short term for little bullshyt.

40% of my check goes into my Necesseties checking account. Rent/food/car/insurance/clothing needs.

10% is invested and never spent.(IRA)

10% saved for education or personal growth expenditures.

With this method you should never feel guilty spending play money, its meant for playing.

 

TL15

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Ya'll nyggas so backward that you spend money on yourself and worry if you're simpin :dahell:
 

onthereal

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I didn't work in 2015 (liquidated everything) so there was slight guilt behind everything even just buying groceries.

I've toned down the entertainment and excess spending. Haven't bought a video game in over six months. My spending is mostly on necessities like food and bills, debt removal and investments (mainly books - I enjoy reading:manny:). Have a separate account for all that stuff now.

Won't lie tho, a nikka has been sweating a 4k TV for a minute now. Maybe next year if I can get my financials on track. :jbhmm:
 

Gold

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Nah, I adhere to my budget pretty strictly and I rarely use the monthly amount I set aside for "entertainment"
Most of my impulse purchases are pooled from that.

Now if I go over that... yeah I feel like dying :mjcry:
 

BaldingSoHard

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I dont feel guilty but i really hate spending money. I just like looking at my bank account :heh:

This.

I fukking hate that shyt.

I think what it is, for me, is that once I've accumulated a certain amount of money, I don't ever want to have less than that amount.

So spending money potentially puts me into a negative cash-flow situation for a month...

Which potentially puts me at having less than before.

I know it's stupid cause I'm basically rich.

But yea, I hate that shyt.
 
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