Mediocre_Airport_576
Mediocre_Airport_576 t1_j2by4u6 wrote
Reply to In a bad personal financial spot by Chanda_Fish
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.
Mediocre_Airport_576 t1_ixxqc95 wrote
Reply to Delayed Mortgage Monthly Payment at WF by gundamstar1
How close can you put your hand to a fire before it burns?
The downside is that you are playing with fire and any mistake can cause a late payment. In the comments you say you want to blow money on black friday deals and pay the mortgage with your next paycheck.
This type of thinking leads to destruction.
Mediocre_Airport_576 t1_j2f6hpe wrote
Reply to comment by Chanda_Fish in In a bad personal financial spot by Chanda_Fish
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.