Pro tip: I set up a $50 monthly transfer to a 'fun money' account and it backfired.

I thought having a small, separate pot for treats would stop me from feeling guilty about spending, but now I just feel bad when I don't use it by month's end. It turned a simple pleasure into a chore. Does anyone else have a system for guilt-free spending that actually works?

4 comments

4 Comments

davis.noah1mo ago

My system is just a coffee can in the garage. If there's cash in it, I can spend it. If there's not, I wait. Turns out my willpower is directly tied to how far I have to walk to get the money.

the_linda1mo ago

I switched to a quarterly fund (way less pressure to spend it).

piper_kim1mo ago

Yeah that's a solid move, @the_linda. I did the same thing last year and it just feels way more sane. The monthly cadence made me feel like I was always on a deadline. Now I can actually plan things out and let the money pile up a bit for bigger goals. Takes the panic out of the whole process.

corablack1mo ago

Honestly just ditch the monthly schedule. Let that money build up until you actually want something, then spend it without looking at the calendar.