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You need to want to change. It doesn’t matter what you do if you can’t break the habits.
And that’s coming from someone who still has habits to break.
In general, not having space for more shit has helped me. Do I want it or need it? Where is it going to go? Can I get it cheaper somewhere else or wait for a sale?
You know what doesn’t help? Medical bills. Fuck those things.
New (expensive) things I want to buy and a wife who always says NO! after your successful proposal. So I have to settle for the saving/investing, waiting for the say she say YES!.
Just giving savings and investing an honest try. In the beginning it is hard to defer the instant gratification of spending for things. You feel like savings or paying for the future will be painful. But after a while, there is a peace of mind and sense of well being of just having a nest egg or emergency fund that keeps growing. It is a tangible reward in itself.
I started using YNAB and fully embracing the philosophy instead of using it as a tracking account. I was YNAB poor for two years to pay down my CC debt and then continued being poor assigning money to my savings goals and still allocating fun money
In the military I lived check to check, had debt for no good reason. Spent money I didn’t have on shit I didn’t need.
Had a roommate who was beyond frugal. He bought 20 acres of land with a river and a pond. Market booms, he sells half for what he paid for the whole thing. He bought a trailer next to the river and lived on his land, started building a log cabin to be his permanent spot. I wanted that. He taught me basics about saving and not creating bills for myself. I got much better about spending.
I think a lot of dudes kind of reach a crisis point where the whole “this isn’t cute anymore” thought occurs. At that point, you slowwwlllyyy start to reel it in. It’s not an instant switch. It’s more that the ratio of stupid to reasonable financial decisions starts to skew a bit in the more “responsible adult” direction. Then in a few years, hopefully you’ll have some savings, maybe a few investments, blah blah blah…
Grew up poor. Started making good money, watched the Calub Hammer YouTube channel and watched how people have ruined their lives. Pay myself first. Live by the budget. It works.
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Don’t do drugs, don’t gamble, don’t spend money to impress women if you are single, smart women see through that.
You need to want to change. It doesn’t matter what you do if you can’t break the habits.
And that’s coming from someone who still has habits to break.
In general, not having space for more shit has helped me. Do I want it or need it? Where is it going to go? Can I get it cheaper somewhere else or wait for a sale?
You know what doesn’t help? Medical bills. Fuck those things.
Mint + gamification
New (expensive) things I want to buy and a wife who always says NO! after your successful proposal. So I have to settle for the saving/investing, waiting for the say she say YES!.
Became clear about my goals – can’t get there if money is being wasted.
Wisdom gained from poor… uh… poor-dom
Just giving savings and investing an honest try. In the beginning it is hard to defer the instant gratification of spending for things. You feel like savings or paying for the future will be painful. But after a while, there is a peace of mind and sense of well being of just having a nest egg or emergency fund that keeps growing. It is a tangible reward in itself.
r/ynab
I started using YNAB and fully embracing the philosophy instead of using it as a tracking account. I was YNAB poor for two years to pay down my CC debt and then continued being poor assigning money to my savings goals and still allocating fun money
I became single again.
Being responsible for 3 kids.
Started looking at dollars as time.
A goal! Creating my own company gives me enough drive to control my habits and don’t overspend anymore to ged rid of debt to start over.
In the military I lived check to check, had debt for no good reason. Spent money I didn’t have on shit I didn’t need.
Had a roommate who was beyond frugal. He bought 20 acres of land with a river and a pond. Market booms, he sells half for what he paid for the whole thing. He bought a trailer next to the river and lived on his land, started building a log cabin to be his permanent spot. I wanted that. He taught me basics about saving and not creating bills for myself. I got much better about spending.
Honestly…fear…
I think a lot of dudes kind of reach a crisis point where the whole “this isn’t cute anymore” thought occurs. At that point, you slowwwlllyyy start to reel it in. It’s not an instant switch. It’s more that the ratio of stupid to reasonable financial decisions starts to skew a bit in the more “responsible adult” direction. Then in a few years, hopefully you’ll have some savings, maybe a few investments, blah blah blah…
Grew up poor. Started making good money, watched the Calub Hammer YouTube channel and watched how people have ruined their lives. Pay myself first. Live by the budget. It works.
Quit smoking weed and started making more money