4 ms·

Yup. I've never really had a problem with debt, but i feel likewise to debt, Americans (myself included) spend without forethought. A few months back i decided

Yup. I've never really had a problem with debt, but i feel likewise to debt, Americans (myself included) spend without forethought. A few months back i decided to sign up for Simple.com Bank _(a Bank, not CU unfortunately)_, as they let me preallocate all my purchases. Every single bill, and every single purchase i pre-plan by several weeks. Want a new game? Mark it on the goals, and save $1/d for it. I don't limit myself on what i can buy, just when. This little mental change means that 3 weeks from now i likely won't care about what i was so excited for 3 weeks prior. It's worked wonders for me, especially with large purchases. I wanted an Amp, to which i was aiming for around $600 for. Now, weirdly enough i can easily afford this and am willing to draw from my buffer to spend this $600. However i preallocated the money a while ago, and now i'm sitting at this special $600 which i could spend, but something is urging me not to spend it. Part of me feels like i could _gain_ $600 if i just simply don't spend it. It's quite the bizarre assertions i feel like. The number of pre-saved goals i've later removed because i wanted the money more than the item.. it's weird. Anyway, i'm deviated like hell. Apologies.

TulliusCicero 10y ago
> Anyway, i'm deviated like hell. Yeah you are. Don't you know you're supposed to spend everything you make every paycheck and then some?
magic_beans 10y ago
Spend the money on experiences! Travel, go to shows, hit the road... $600 is worthless in and of itself.
- notheguyouthink 10y ago
  Meh, you can enjoy things. If anything, i dislike travel. I like my guitar, i heavily enjoy playing it, and frankly i do need a new Amp. Though i think this is a great example of how mentally, how it's working for me. I actually need an Amp, but by saving the money ahead of time, suddenly i get a chance to mentually "unspend it".. it's bizarre, but it's how i feel. I literally have $600 sitting in my account right now that i'm having a hard time spending, because it's more real than the Amp. Quite interesting.
- vkou 10y ago
  For a lot of Americans, $600 is life-changing.
  - magic_beans 10y ago
    Of course when you spend it, it is valuable. But OP had mentioned enjoying the feeling of simply collecting the money, a notion which I can't help but challenge.
    - notheguyouthink 10y ago
      Assuming the OP you're referring to is me, i may have mislead you a bit. It's not joy in saving money exactly, but building good habits/etc. I've got a lot to save up for, retirement, investments, dental work, etcetc. So it's not that i enjoy the dollars exactly, but i want to have security in finance, for the long and short term. Building good habits is really crucial to being happy there, imo.

TulliusCicero 10y ago

> Anyway, i'm deviated like hell. Yeah you are. Don't you know you're supposed to spend everything you make every paycheck and then some?

magic_beans 10y ago

Spend the money on experiences! Travel, go to shows, hit the road... $600 is worthless in and of itself.

notheguyouthink 10y ago
Meh, you can enjoy things. If anything, i dislike travel. I like my guitar, i heavily enjoy playing it, and frankly i do need a new Amp. Though i think this is a great example of how mentally, how it's working for me. I actually need an Amp, but by saving the money ahead of time, suddenly i get a chance to mentually "unspend it".. it's bizarre, but it's how i feel. I literally have $600 sitting in my account right now that i'm having a hard time spending, because it's more real than the Amp. Quite interesting.
vkou 10y ago
For a lot of Americans, $600 is life-changing.
- magic_beans 10y ago
  Of course when you spend it, it is valuable. But OP had mentioned enjoying the feeling of simply collecting the money, a notion which I can't help but challenge.
  - notheguyouthink 10y ago
    Assuming the OP you're referring to is me, i may have mislead you a bit. It's not joy in saving money exactly, but building good habits/etc. I've got a lot to save up for, retirement, investments, dental work, etcetc. So it's not that i enjoy the dollars exactly, but i want to have security in finance, for the long and short term. Building good habits is really crucial to being happy there, imo.