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E.L. Zeitgeist's avatar

This was like reading something my past self would've written, right down to the tears. What completely changed my life was when I started to use a budget app (I cannot recommend YNAB enough!!). The reason is that—after assigning money to all my bills—I then carefully curate categories that provide me with joy and quality of life. To speak to one of your anecdotes, I even have a transportation category outside of gas (for the bus, Uber, and even scooter rides). I also have a category dedicated to Artwork because supporting other artists like me is super important to me. So if I fall in love with something, I check my category, see if I've saved enough, and then spend 100% guilt-free because my past self declared it was ok to put my money there. Likewise I have a "Compassion" category for donations and a "Treating My Peeps" category for when I want to buy a friend a coffee. YNAB also helped me finally start putting money into my IRA that was sitting dormant since I left my more "stable" job 8 years ago to freelance. I now realize that I was so frugal and guilty because I really had no idea how much money I had to spend after bills. Or I was fearful that some huge bill would come my way so I never wanted to feel unprepared. My bank and savings would just sit there doing nothing while I lived in constant anxiety. Now I have categories dedicated to pop-up medical expenses and car repairs (had enough saved when a whopping $1200 repair came my way this year!) BIG BREATH. I know I sound like a commercial, haha!! But I always share my story about YNAB with folks because it's made such a gigantic difference in my life. And maybe someone reading this needs the nudge too!

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Casey Barber's avatar

Oh, I feel this so much, especially the part about not wanting to spend $2.90 on a subway ride! (Why is that such a difficult expenditure?) My money trauma is a huge conflict where half of me believes I don't deserve to earn "enough" and the other half spends wantonly on myself anytime I have "excess." Ooof. Have you ever looked into your Human Design? It's been super illuminating and helpful for my unpacking of all this.

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