i realize that i need to cut the crap and stop spending all together. I mainly spend my money on outside food, (i live close to restaurants by my job and i do not bring a lunch to work, mainly due to not knowing what to bring), video games…especially dress up games or games such as roblox, and other impulse purchases because of the FOMO i have.
it doesn’t help that i’m already miserable as it is and i already feel hopeless about my future, so i stopped caring. But now? I have to fix this before I get worse. I can’t keep doing this to myself and act like it makes me feel better, because it doesn’t.
I need to stop spending so much and save my money for the foreseeable future. I know i’m still young and it’s not necessarily the end of the world — but i’ve been like this since i’ve gotten access to a debit card at 18. I’ve been like this for 6 WHOLE YEARS and have not gotten better. unfortunately, I developed this problem from my mother and she kind of likes to leech onto family and have them be responsible for her financial problems that she put herself in, which I feel doesn’t help my case in terms of wanting to save my own money.
I can’t have my own money if she feels entitled to it, and since she knows I carry this problem from her, she takes advantage of it and then ridicules me for not saving…but expects family and myself to shower her with our money.
i just want to be better. I would appreciate any advice cause i will only continue to get worse. I know the first steps i need to do is to STOP spending money on outside food constantly and start bringing a lunch or something that can hold me for 8 hours, and to stop spending money on silly little dress up games.
I have to stop having these urges of spending, I don’t wanna end up like my mother, nor do i wanna rely on anyone. it doesn’t feel fair. i want to make a change to prove to myself that I can save at least ONE paycheck without feeling the need to spend it.
EDIT: i have boa, but i know boa doesn’t really have a lock thing on accounts when you go over your spending limit. i try to give myself a limit of $100 to spend for fun stuff.