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Mediocre_Airport_576 t1_j2by4u6 wrote

A few things you need:

  • Goals more motivating than an impulse: what are you saving for? What would be worth delaying today's pleasure?
  • Friction: debit cards only, or no cards at all. Make it hard on yourself to spend. Don't save card details in a browser or website, etc.
  • Cool-down period: make a rule to wait 24 or 48 hours before buying something that is not a legit necessity.
  • Accountability: ask a friend or family member to check in with you regularly. Share your goals with them and ask them to ask you hard questions
  • Quick & easy meals you can make at home that you enjoy.
  • Dave Ramsey. I'm not a huge fan, but his stuff is for folks like you who struggle to stay afloat.
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Chanda_Fish OP t1_j2c0ats wrote

Thanks! I try to be conscious with a CD period as much as possible. I also only use debit cards since for as long as I’ve been old enough to be a cardholder. When I started this job I had a long list of things I wanted for myself and they are big ticket items unfortunately

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Mediocre_Airport_576 t1_j2f6hpe wrote

There it is: your goal was based on consumption.

Come up with bigger goals than some items you want to buy, and seek to let those drive your decisions.

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