Jenny C
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Open an account somewhere that is NOT convenient to access, maybe a credit union? Have your payroll deposit so much each pay period into that account. Put as much in that account as you can, only keeping what you need to pay bills and reasonably live on. |
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Yosugasuga
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what i do is leave my money home |
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♥ Julie ♥
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saving account at the bank |
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Jason C
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I'll hold it for you. I promise i wont spend it. |
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petra m
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go to your mom, mom is good at hiding things. or just ask her how you can stop spending. |
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babii_gurl_becca
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hide the money in a place you will never find it^^ |
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Tiffany G
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Who do you hold yourself accountable to? You need to talk to someone who you can submitt yourself to ( whom you respect and will listen to.) If you cut up your credit cards and pay them off thats a start. Maybe only keep your ATM/Check Visa card for use. That way you only spend what you Have. |
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Jack
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savings account |
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This Girl
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When you leave the house leave all of your cash, debit/credit cards at home. |
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Galway
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You must recognize that you have obsessive/compulsive tendencies. |
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priya:kapoor
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just bury your money underground so u cant get it |
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Very confuzzled.
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Don't worry, I'm like that also.
If you really like shopping, one thing I suggest is to look at clothing and accessories online. You can't buy them, but save them on your computer. That way, it's like you have it and you've seen it, but you didn't spend any money. Another thing to do is to mix and match, or change your things. It will feel just like new and you will be satisfied with what you own again. |
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mama04
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Usually something like this means that you are filling a void in your life. You are missing something, or replacing it with shopping. Are you depressed? |
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cesargamezt
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You are trapped by involuntary or conscious actions?
1. Stop the McDonald's phrase: I deserve it. Use better: I need it.
2. If you are going to buy for need, ask yourself: What would happen if I don't buy? Do I really need it?
3. If you still walk away but feel cravings, mixed feelings, mad and still end up purchasing or feeling miserable...
Then its time to pay a visit to the therapist, you have issues. |
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sophierose
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put it in the bank. out of sight out of mind |
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perfectlybaked
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It's not a big deal unless you are using credit.
If you are, you need to cut the cards right away and cancel accounts.
Keep a $1000 card on hand for emergencies only.
I racked up $14,000 in credit debt just from mall shopping and eating out. My situation alone, stories like mine, should be enough to snap out of it.
LOL I would feel guilty sometimes when I would swipe my card, especially during the days when it was approaching it's limit. |
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Amy
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Say you'll only buy yourself stuff as a reward for something. I lost weight, I'll buy that CD. I snagged the new account for the company, I'll buy that outfit. |
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jenndy
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When you go somewhere don't bring any money :) |
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AK
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open an account where u can not take money out, make sure u set up a DD to that account each month.... |
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DiVa DebbbZz
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You should put your money in an account and if you have the urge to spend it just a little out instead of all of it. But you have to have self control...otherwise you'll end up taking all of it out. |
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hippo
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It is known that when people buy things they get a dopamine high. This is a leftover evolutionary behaviour that we acquired as hunter / gatherers.
Dopamine is the "happy chemical" naturally produced by our bodies.
If you can start getting dopamine highs from exercise, or other self-esteem boosting methods, you may need to rely on the spending.
Another thing I find useful, is that when I buy something, I calculate how many hours I'd have to work to own it. For example if a shirt costs £30, I think "Would I work 3 hours for this shirt?". Often the answer is "It's nice but not THAT nice".
Also sometimes when we feel empty on the inside, we feel the need to fill that emotional hole with material possessions or other addictions.
If you feel empty in this way it might be worth trying to work out why.
Does any of that resonate with you? |
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Bri
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omg im the same way, and whenever i feel down i go spend money and it makes me feel better, but to help stop spended money, I try to leave a lot of it at home before I go shopping unless I know im going to buy something expensive (purse, camera, whatever) I also try to put half of my paycheck in the bank every month, it saves money and grows intrest, but it keeps you happy to because you get to spend some on yourself, hope i helped!
** If your buying clothes divide the number of times your going to wear it, or use it (if its NOT clothes) from the total price of the object to see if its really worth paying however much to get it!** |
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Cherry
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1 ) It is difficult to do but you can do it . Everytime you want to spend money, tell yourself " I do not need anything"
2) Everytime you manage to stop a spending, reward yourself
by putting some money in a saving jar that you can use one day for important thing. |
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brookie_86
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I used to have the SAME problem! I've gotten a lot better, just by making a budget and sticking to it. I looked at my salary, took out taxes, bills (including gas & groceries) and decided what was left over after all of that was paid. Then, I decided what I wanted to save each month and now have that amount automatically drafted from my checking into savings. What is left over you can use as spending money, because you have to allow yourself some. Also, stay away from places that encourage you to spend money and treat yourself when you've been doing well. For example, I set a goal not to go shopping for 2 months. When I reached my goal, I gave my self a budget and went to the mall. The funny thing was I hardly bought anything, even then, because I got so used to not spending money! Another thing is, before you buy something, think about this: Is it REALLY worth the price you're paying? How often will you REALLY use it? Stick to ebay and craig's list, go to flea markets, garage sales, and outlet malls and try to save money as best you can. Before you buy something, figure out how many hours you're going to have to work to pay for it. You'll be surprised how THAT will change your mind! |
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dingding
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You need a different purpose...to understand what saving money will get you. If you see no purpose for saving, why should you do it? For me, it's the idea of traveling someday. I know it will take a great deal of money, and every $20 or $50 that I don't spend on something temporary like clothes or food, I can sock away for the future. Do you have any dreams for the future like raising children, traveling, starting a business? |
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flowerchild
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stay at home as much as possible, do not shop unless you must have food, take your lunch to work and don't drive unncessarily. Put your money in the bank automatically when you get paid and take out a limited amount of cash for your running money, which you have worked out in the written budget that you have devised to make sure all your bills are paid. Stay home and enjoy the things you already have and cooking the food you bought to prepare (no eating out) and that will take up your time and you will start building savings.
and look up dave ramsey and read some of his stuff, he has the answers, I promise. |
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Jools
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Put your debit card and credit cards in a block of ice in the freezer. Seriously. It is proven to help you stop spending. |
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Sophsoph
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get into the habit of really, seriously asking yourself if u ACTUALLY need something before you buy it. Imagine yourself coming home with it, and then think about how you'd feel about it: was it necessary? does it fit in well or did you really not need it? this may be hard at first, especially if u have to put items back but soon youll probably learn only to buy things you need (or really really REALLY want!)
Good luck!! |
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Serena G
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Don't put yourself in situations where you could spend money, such as searching online places, going to malls, etc. And leave your money and credit cards. |
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cvn_june
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when ever you go out just take like $15 to spend, no credit cards nothing else because if its in your pocket or wallet you are going to end up using it. |
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PRyder2000
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Start getting rid of things. Make that your obsession instead. Challenge yourself to get rid of at least 10 possessions every week, and to clear as much space in your house as is possible.
The more space you have, the better you're doing. Space is good, clutter is bad.
Soon, you'll have loads and loads of space, and that will be good, and all your stuff filling up all that potential free space is bad! Then you'll own vast quantities of free space, and then you'll be happy! |
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