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I can't seem to save any money because I have no self-discipline. Here's the story, and I ask everybody to chime in with practical suggestions:
I've been working at the same restaurant for six years (since I was but a wee chubby high schooler) and I have gone as far up the job-ladder as possible without buying the place from the owner. I now make a sizable wage that isn't great (but I stay because I love the people), and it's direct deposit. Ever since I got a paycheque, I spent it on CDs, books, DVDs, food and the theatre. I want to enjoy my money, and I enjoy all those items.
But even when I've bought three CDs on one paycheque, I still buy more. I say to myself, "You don't need them. Download them instead." But I don't. I inevitably buy CDs then regret them. It's the addiction guilt, I guess.
So now it's been six years, and I've made almost 100,000 dollars. What do I have to show for it? 1,000 books, 700 CDs, 500 DVDs, and enough movie ticket stubs to wallpaper my room. I haven't saved any money for a "rainy day" or an emergency. I also have not traveled at all, and I want to.
Right now, my parents are in charge of my assets. Every two weeks, they give me a measly 100 dollars (or 49.59 pounds, or 72.74 Euros). I'm budgeting a little bit better with this. I'm only buying, say, one CD a week and one book a week, but that's 60% of my spending money right there. I'm also trying to focus more on used CDs and used books, but sometimes you have to get that book from my local Chapters store.
How can I build some self-discipline so that when I move out I can actually pay my fucking rent?
URGH FUCK! Help me, Barbelith! I can't save the coin of the realm! FUCK! |
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