Stephen K
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Define crap first of all.
Then ask yourself "Do I have a true need for this?"
Then, walk away from it |
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thatoneguy
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don't spend money on crap.
Seriously set up separate accounts. Savings, bills, and spending. If you set up 2 separate checking accounts one for paying bills and groceries and one for spending money. then you only spend out of the spending one. If that account is empty you can't buy stuff till next check.
Having the account separate helps you track and control you spending better.
you can even have the bank split it up for you when they deposit the money in your account. If you go into your bank at talk with them they will help you set up your accounts that way. |
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questions1440
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first off - cut up your credit cards!!!!! then only carry around minimal cash with you at all times |
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Flora-c
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I had this problem a few months ago. My problem was that I was using my debit card all the time and not keeping track of my spending. I never knew how much money I had and I was shopping all the time. So I started leaving my debit card at home and just taking out like $200 of cash every month as my spending money for the whole month. I am not allowed to get any more money from my account. It really helped me save money. If I can see exactly how much money I have to spend, I am more careful about how I spend it. |
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xujames21
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Don't carry cash you don't intend to spend on specific things.
Don't under any circumstance carry credit cards or debit cards when you leave the house or surf the net.
Isolate your savings (or start saving) and have no means of easily accessing your savings on a day to day basis.
Sit down and budget your week on Sunday. Figure out when/where you will need to spend money. Have only that amount on you each day.
Create a goal for the money you save (IE. that plasma you always wanted or that new(er) car). Every time you want to impulse-buy remember what you are saving for. |
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floridian
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Leave your cash and credit cards at home. Only take enough with you to purchase what you go out for. |
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Angie
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LOL. Well, as they say in AA - acknowledging that you have the problem is the first step!! That's funny you ask because I was just reading the Public Health District's report on the fact that most people realize it's important to prepare for emergencies and to set aside money for savings, yet most are still unprepared! My advice is you just have to realize how important savings is, and DO it. Trust me, when my husband blew out his knee and we needed to pay cash (no insurance) for his surgeon or face double the cost if it trickled into collection, we were GLAD we had $2500 set aside in a rainy day fund. That surgeon bill going into collection could have ruined any chance of us ever getting, say, a mortgage if we wanted to buy a house... or delayed us other future goals. It's all about delayed gratification.... instead of spending money on crap enjoy what you already have and count your blessings. Entertain yourself with free books from the library, exercise (also free) out in the fresh air by walking.... and keep your future in mind. |
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Brandon B
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I did the same and I did this and it helped...
Everytime you are about to buy "crap" don't. Take the money you would have spent and put it somewhere (in a separate account, in a jar, something) You have to take it out of the account that is used for buying things just as if you would have purchased it. Do this for a month and then count what you have. You end up with a lot of money that you can then use for something useful and a little more expensive. This is the single easiest way to buy expensive things and have very nice things. I bought a 52" tv after doing this for only a couple of months. My other tv went out so the tv was not considered "crap" Give it a shot you will be amazed at what happens. |
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sanbox69
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put the money away in to something you can't touch, like an IRA or 401k or CD or something that will penalize you for withdrawls |
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B
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Stay out of the stores for at least a month. Have someone else do your shopping for you. You are addicted and need to withdraw for a while. I know, I went thru the same thing. |
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Amy
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put your money in a savings account so you don't have access to it. then you won't feel the urge to drive down to the bank to get your money out to spend it. |
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dances with unicorns
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I think you should put most of your money in savings and to pay bills and such; however, we all work to have a good life, and I think it's also important to have a little "mad money" in your budget. If you just spend on the necessities, you're going to feel deprived - like being on a diet. Set aside a little money each month that you can spend on fun stuff - no matter what your idea of "fun" is - and then promise yourself NOT to feel guilty about it when you spend it!
If you find something that you simply dyingly have to have, but your mad money won't cover it, give it 48 hours. If you still really want it, and you can reasonably afford it, then go for it. Impulse purchases are incredibly tempting, so don't allow yourself to spend anything on impulse. Have a credit card that you use ONLY for emergencies - and I mean real emergencies, like a car that breaks down a zillion miles from home, or a trip to the emergency room, where you have to have money NOW. For planned purchases, have a debit account to which you can transfer enough money for those purchases, but no more (although a few dollars "wiggle room" is fine).
It's not easy to quit spending money on impulse purchases, I know, because I have done it more times than I care to admit. Making it a *little* tougher to spend your money, and yet keeping yourself "safe" for emergencies has been a huge help for me. |
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RichDad
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Put that $hit in the bank. |
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texaspapichulo
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Always have your expenses for the month on your calendar. Figure out what you owe and when its due. Always consult that calendar before going out and spending money. Hopefully, your bills staring right at you in the face will curb your itch to spend, spend, spend. And always ask yourself, DO I REALLY NEED SO AND SO? |
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Shane
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I don't go looking for it. If you're not shopping online or in the stores, you don't buy the crap. |
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lose_it
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When you're out getting stuff think I'm not buyin anymore crap, I'm not buyin anymore crap,etc.etc. |
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thedavecorp
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Will Power, for the most part, is merely skills of self-management. Remove your opportunity. Have the Home Shopping Network blocked from your tv, cancel all those magazine subscriptions (if you can't give them a "new address"), cut up (but don't cancel) your credit cards.
Put your money in a Christmas Club account where you can't access it until Christmas.
Write me privately if you need more. |
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bbsieye
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Even if it is 80% off regular price and you don't need it, It's a piece of crap. |
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applecheeks
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Just be really cheap and start saving. Once you stop wasting your money and see that your savings is growing, it becomes addictive and then you can one day splash out on something really cool!!!! |
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ashleyral
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When you go out..don't take any money with you?! |
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stephen1424
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I just buy cheaper crap... Woot.com DealCatcher.com |
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John
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Invest and have automatic investments straight from your job |
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♥Brittany♥
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well i wish i could help you with that...but i'm afraid that THIS is the same habit that i have that i need to get over.! |
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ramu d
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Stop buying crap.... |
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missyofallainhouse
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Define crap. Some people can justify purchasing twenty bottles of shampoo a month. Some people think they need to spend $100 in the dollar store three times a week. The best thing to do is just stop and say "Do I Need This?" If not, put it back and walk away. |
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Megan
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spend it all
then you can't buy any crap anymore!
Problem solved! |
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TheAmberOtter
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Say to yourself "Shopping means looking," only buy what you need. Make a list and think about it for a day, if it is not on the list, don't buy it. |
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beauty s
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just stop doing it.. |
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jackalope
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I dont see why you like to buy crap isnt there any in your toilet!!! haha |
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gotabedifferent
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Pay your bills.Keep some 'food' money.Put the rest back.And keep it there!Philosiphy:if you don't need it don't buy it. |
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aluisious81
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Umm...stop?
Don't go places they sell crap?
Find something to do with your time that doesn't cost a lot of money, like hiking?
Take your money and put it somewhere you're less likely to be tempted to spend it, like CDs or stocks? |
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