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as a victim of random daily purchases that add up with literally nothing to show for it but no fucking idea where my money went, yeah.
Apr 14, 2025
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1. I tracked every single thing I spent for a few months to get an idea of what my budget should be and where I can cut back.
2. I set up an auto transfer once a month into a HYSA and another one into an IRA, based on the budget from step 1. They are not huge amounts by any means, and sometimes it feels futile. But it keeps the money out of my checking and hopefully in time I'll be able to start saving more.
3. Anything I really like and want to buy I add to a Pinterest board as my wish list. I tell myself I can come back later and buy it if I really want it. I probably end up buying 1 out of every 50 things I put there. It's also humbling to look back it and see things on the list that I don't like anymore. Good thing I don't own them!
Dec 1, 2024
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I’m up in my bank account every week writing every transaction out in a spreadsheet and I’ve never been better with money in my whole life. Also helped me notice asap when a whole mess of fraudulent transactions slipped in while I was occupied moving and otherwise wouldn’t have seen them for a while. It’s absolutely more effective than a Mint budget tracker because you have to confront EVERY purchase and contemplate what actually has value to you.
Jan 6, 2025
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Not a financial rec as I don’t think its A particular effective saving method, but it is a good challenge and prompts you to get creative
Feb 16, 2024
Top Recs from @germfreak
Prob my biggest flex of the year. They really just be out there it’s crazy!!!
Apr 14, 2025
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Everything is an offering and the idea of ”self discipline” is holding us back from making magic
Apr 5, 2025
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Deciding to cut my lingering tethers to this parasite for good. 11 days in and my chronically sick body is healing :,) Not easy but trying to stop seeing this as a sacrifice but as freedom & an offering to my health!
Apr 4, 2025