I'm familiar with addiction, but not spending addiction.
The only thing I can suggest is to think of a moderately long term financial goal that you'd REALLY like to achieve.
That thought may help you stop piddling away your money.
Like I said, I've never had a spending addiction, but when I was younger, I did focus on buying a house. Just thinking about that goal led me towards achieving it in a reasonable amount of time.
On a side note, I've tried 12 step programs to try to deal with addictions.
They are not my thing at all. I agree with the principles for living that they follow, but the meetings depressed the heck out of me.
Good luck to you.
When you move out of your parentals you'll learn that every penny you earn is worth a lot because you'll need it to survive. I was there myself so know how it feels, I then decided to save all of my salary and I now can buy a nice house and im financially stable. I worked hard even did overtime tho I didn't need to.
What are your future goals in life? Saving money is so important because you really don’t want to be working for the rest of your life, and being in debt is very bad. You can never build a good credit score that essentially gets you nice things in life. You need to learn how to be frugal and only get clothes that you truly need.
Well that’s the thing I save too and I have a great credit score. That’s why I’m stuck in my addiction with my leftover money.
I also save just in case something happens. You never ever know. What I typically do is I keep $2000 in my checking and save the rest of my paychecks. If I’m spending more than $2000 a week up until my next pay check, I know I’m not doing something right unless if I’m investing in something large. You need to look at your savings as literally a savings and pretend it doesn’t exist. Even invest in a 401k at your job if you do not have one.
By the way poor buddy that judged your life blocked me because he was so upset for me calling him out on being arrogant
I don’t think we have those in the UK
Hmmm if your work has a retirement fund I would definitely invest.
I’m not enrolled until I’m 22 but I definitely will contribute
Good! That will help you be able to save to retire. So important. I’ll be at my job for a year in a couple of days and definitely investing
Oh wow congrats!!
Get on a budget. Allocate more to savings than spending.
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You need a different hobby, buy a musical instrument like a guitar and a book of simple tabs. it will take you forever to master every song you like but you only buy a guitar once. Same with a decent digital camera and lens you buy the thing once and it takes a lot of your time to take different pictures. Or get a boyfriend you might be trying to fill an empty hole in your life he can fill your hole.
I'm Aquarius too and have an addiction to buying cell phones
I switch from one carrier to the next, yes the addiction is crazy
Every time I go to the website I keep stopping myself from
buying another cell phone
Think about how what you want to stop spending on is helping you and how it is affecting you negatively.
Probably invest it or you could just keep it in £50's as those aren't easy to spend
N. b. says the guy who's had 18 and will very soon push that figure to 23 or maybe even 30 depending on a few things in the works
Go online to E*TRADE or Vanguard. com and start an investment account. Put $50 in a month and any interest you’ll eventually make you can spend on luxuries.
Chances are, you have no financial responsibility and still live in your childhood bedroom. Pay your own way for everything for starters
What a judgey comment
Yes I do live with my parents because I’m still studying. Mind your own business
There’s nothing wrong with living at home at my age lol
Keep increase savings. Use zero dollar budget. You know how much you spent on clothes and shoes last month?
At least £300
300 is not too much. Do you feel it's too much?
If you feel too much then set aside 200 or 250 for shopping to start with.
My shopping budget is about 350 I don't spend all of it. I may make more money than you though.
I only earn £1000 then £200 on savings, £300 on bills and £300 on shopping it’s not good
You are doing very good as savings for the income you are making.
Thanks
You're welcome
You're paying your bills, saving and helping the economy. What's the problem?
It’s a waste
I think that you are trying to fill a hole or a void. Some people do that with over eating or drinking or drugs. you do it with shopping. I think that a series of firm spankings would help you out
I would recommend morphing your addiction into a career. Or better yet a business. Being a buyer for a store, even your own. It's your calling, enjoy.
Pay your bills then put the rest in savings
Put more in savings and keep only one credit card.
Give me all your money!
you can try to stay off instagram
I don’t really use Instagram
@thatsout I disagree I became more of a spender as I got off social media.
If that was true, millions of Americans wouldn’t be in debt. Social media is not the big influence. It’s been happening for years
The fact that people are in debt is not always a sign of a bad situation. I live in Turkey. Here, too, the majority of people are in debt to banks, but the economy continues to grow surprisingly. This is a result of the rapid spread of consumption to much larger masses with the effect of social media.
The effect of social media is to make the economy sustainable even if the debt is large. This is the biggest difference between old and new. America, which was on the verge of bankruptcy in 2008 due to mortgage loans, does not face such a danger today. Although public borrowing continues at the same pace.
I didn’t say that it has to be a bad situation and I didn’t say Instagram doesn’t have an affect, but that isn’t the only reason. There’s many many factors and it’s mostly for people consuming more than they earn and there’s many many reasons to that beyond social media.
I buy clothes and shoes to feel nice
People bought for status WAY before social media. Big branded names were before social media time. Let’s not blame everything but people for living beyond their means. If that was the case, people wouldn’t be in debt for years. Social media has an influence on status, BUT there’s people off social media that has luxurious items they don’t need. That’s been happening for years and years before social media. I know many many people in big debt and bad credit that do not have social media and do not care about social status
Of course social media is stimulation but so it a sales person in stores, so is window shopping, so is big branded companies releasing new items every year, so is advertising etc the list goes on
There is no exception you are making excuses for people to live beyond their means. Blaming social media is such a cop out when people have been consuming more than they are worth for many many many years beyond our time
When there is no social media, you would only be aware of the trends by going to the physical stores of the brands or by visiting the websites of the brands. However, thanks to social media, all this comes across without any effort. Even though this is a small detail, isn't it possible to cause a huge consumption when it happens on millions of people? ?
I wore Hollister and Abercrombie WAY before social media was a thing. I wore ugg boots before social media was a thing. I wore big brands a lot more when I was younger and had no clue what the value of a dollar is. You are blaming social media, when there’s elderly people that will never pay off their debt and live in bad credit
People have always been consuming more. This girl literally told you social media isn’t her problem, so I don’t understand your argument. You’re making an excuse for people that don’t know the value of a dollar.
And she told you that isn’t her reason, so could it be that there’s more reasons beyond what you are arguing? People spend money for many reasons and the # 1 reason is pleasure.
You sound like a closed minded economist. You should know there’s more reasons to bad spending habits than social media. Please stop.
People spend for pleasure. Just like I buy good food for myself, that’s why I bought myself a car, that’s why I bought myself new house furniture, etc.
So people with no social media, don’t have any needs?
You obviously aren’t reading because I never said if it was bad or good, I said they’re multiple reasons on why people spend. People have been in debts for decades.
Debt*
You should look at the social habits of countries where people have little time to devote to social media. I have been working on this subject for 5 years at a Turkish university. I am talking about an academic reality. I am not telling a story. It's a scientific fact, it doesn't change anything if you or anyone else doesn't accept it.
You are literally changing from one subject to another and it’s becoming nauseating. Dude , social media is a huge influence , but not the only influence. If that was true, there wouldn’t be adults beyond the age of 50-90s in debt.
Right and this girl told you, that’s not her reason, you are still going on. Did you judge her because she’s a young female? It’s not uncommon to not know how to save. I’m a triplet and out of me, my brother and my sister, I am the only one that knows how to save money in my family.
I’m all set, you are rambling about something that has nothing to do with this girls situation
And your know it all self does not interest me. You commented on a girl being personal about her financial situation and judged her and she said your example is not her problem, so move on.
Your personal opinion on this girls life, is not correct. Move on
I got involved, because you made a personal ass out of yourself and still are combating that there’s people that have natural bad spending habits. You assumed her lifestyle. (ASSumed) you made an ass out of yourself and her. Maybe you need to study. I don’t study economics and I don’t need to. I know how to spend and I’m aware of bad spending habits as people in my family have bad spending habits that go beyond social media. Stop spreading your know it all vibes and be more open minded
Anyone who has taken an introductory economics course knows that the first reason to spend money is not pleasure but needs. And social media is a subject of macroeconomics today. Today, many companies that exist on a global scale are on the verge of disappearing in a short time in a world where social media has disappeared. That's why so much of social media content will constantly motivate us to have new needs. This is a new reality of sustainable economy that is very difficult to change.
If people only spent for needs, then they wouldn’t be in debt. People spend because they THINK they need, when in reality they can’t understand the difference between need and want. You don’t need a new iPhone, but you WANT a new iPhone because you are convinced you NEED a better camera when in reality, you WANT a better camera.
You do need open mind ness because your assuming got you no where here. I work in sales by the way. I work as a waitress you know how many times I here “I’ve had a stressful drink, I NEED an alcoholic beverage” how many people actually NEED alcohol? They don’t, they WANT alcohol
That’s only one example, I just gave you another
I’ve had a stressful week**
I hope you understand me and I am tired of arguing more. Single examples in practical life cannot change the macro reality. I understand you, but your arguments are weak and consist of singular examples. Yes, it can be included in the subject, but it is not enough to explain the subject completely. . This is not a singular example, it is the definition of the ecosystem. There are academic publications that I have made on this subject in Turkey, if you want to read it, I can give you access.
No it is not because addictions run the world. Why do you think they add chemicals to our food? Because it’s addictive and we consume more chemically infused products. Our bodies do not need it, but we want it. You are wrong and have been wrong, and you are still arguing.
Alcohol is an addiction, coffee is an addiction, feeling good is an addiction, social media is an addiction, shopping an is addiction, drugs are an addiction, chemicals are an addiction, etc. those are all big influences on why people spend more than they make big pleasure is an overall addiction
Because*
So you not know the subject of addiction when social media is indeed an addiction? You should know this if you are huge on social media being an influence on society. Companies purposely market to keep people addicted. That’s common knowledge.
This is not common knowledge, it's a conspiracy theory. I think such conspiracy theories are frequently spoken in America. Companies do not make their consumers addicted, they create brand loyalty. If there was an addiction, companies would not be able to expand their product range, so they set a strategy to gain loyal customers instead of dependent consumers.
It’s sounds like you need to stay in your own country then because America is set up to keep their consumers addicted, that’s why our food is made from crap chemicals. Your economics is not the same as America’s economics
And your argument has nothing to do with this girls situation at all. She said it doesn’t. You have been rambling about a subject that has nothing to do with this girl. Go argue in the economics section. You took this girls situation and made yourself into a know it all asshole
Turkey's economy is a global economy. Therefore, the American and Turkish economy are directly related to each other. Recently, another Turkish company has started to be traded on the Nasdaq stock exchange. There are many American companies on the Istanbul stock exchange. So let's stay away from these conspiracy theories and try to be scientific. I hope the world will be a good place for all of us.
They aren’t conspiracies, they are truths. Just like if they didn’t want food to be addictive, they would banned chemical based foods. If they didn’t want alcohol addiction they would’ve kept alcohol banned. And that’s another point. You know why they unbanned alcohol? Because it SOLD like CRAZY and brought tons of revenue in. If they didn’t want people to be addicted to cigarettes, they would be banned. If they didn’t want people to be addicted to gambling , they wouldn’t have casinos. If they didn’t want people to be addicted to social media, they wouldn’t continue adding features that keep people lured in. If they didn’t want people addicted to shopping online, they wouldn’t have ADs. If they didn’t want people feeling addicted they wouldn’t want people people not understanding the difference between WANT and NEED. But anyways rant over, have a great day
I’m not insulting you by the way, I am telling you what you did because you are a know it all like typical foreign people are to America.
Just go cold turkey
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