I feel guilty spending money
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- čas přidán 5. 09. 2024
- Do you ever feel guilty about spending money? I had and here are some things I did to GET OVER IT.
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Lydia Senn
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Creola, AL 36525
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Lydia you are so right. Budgeting does give you freedom to spend. We are 1 month away 🤞 from being debt free & I am counting down the days!!!
Feel like we need a to see this awesome ceiling light.
Thank you! I needed this! I feel guilty even buying a humidifier when my kids are sick cuz it wasn't budgeted for. I need to remember it is ok to use my emergency fund
Just bought another pair of shoes. Guilty 🙈
You have NO reason to feel guilty.
There's so much wisdom in yours words. I sometimes get caught up in the idea that if I can control my finances, then life's bumps and bruises won't effect me. But you're so right. Life happens!
It happens fast and a lot!
Our bathroom vanity needs replacing, over 18 years old. I just had my husband repaint it. Cost $18.00. Good video topic.
You say you didn’t need the light in your kitchen. Girl, you cook for your family and you need to be able to see and a good light is kinder on your eyes!! 👍
Thank you for this. As someone who suffers from anxiety I need to remember that its okay to treat myself as I deserve to spend money on myself once in a while
What, we don’t get to see the light fixture? 😉 Thank you, Lydia.
Now that I use a budget I feel much more freedom and permission to spend. For me, I see it as organizing my money and giving it a job. And I’m like the lens of telling my money what to do. I’m the CEO. It serves me, not the other way around, which was how I used to feel.
Oh wow! What a great video. I'm out of debt, I've doubled my yearly income, have an emergency fund and yet I don't spend money on myself... Rarely. However, I'm treating myself to a massage tomorrow 🙂
Thank you for the video it's really given me something to think about x
I love Wendy too. I struggle a lot with this too. Especially because I am chronically ill and have to have another surgery. I feel like my poor husband has a lead weight on him. I know that feeling is not from God but I do have to spend time chasing it away from time to time.
I went through 14 months of self deprivation but at the end of it, I will have my 1 year emergency fund. (Frugal living year, that is). Now I can begin to save for specific purchases. Having that emergency money will give me that freedom. I am already debt free. My next big purchase goal is a house or condo and I’m saving for a down payment. In my area, that will take awhile. In the meantime, I will allow myself the little luxuries like a garlic press (instead of chopping garlic all the time) and a new duvet next Christmas. This Christmas I’m buying myself a Dutch oven. I saved for it, so I can ☺️
We are financially free but I am still obsessed with saving money...just became a lifestyle for us. But I also have taught my kids to budget their money. Great video and I love the bloopers!
Hi Lydia,
I just wanted to say thank you to you. A few months ago I purchased a bassinet online from a company that had 50% off for an item that I really really wanted to the point that I was obsessed. I woke up in the middle of the night to pay for it. Although I was grateful that I was lucky enough to get this discounted purchase afterwards I didn’t like the feeling of anxiety that I had in the lead up to this sale. The company kept sending ads out which made it worse, raising my need to have this item like it was the end of the world.
This week another company has a sale on another item I need and want and instead of only purchasing the item I wanted (which they had no stock of) I was looking at setting for something else just so I could have it. I got so a Worked up at having to pick something just so I could get the sale price.... until finally I was able to step back and say, actually this isn’t what you wanted and why are you tying myself up in knots over this. If you wait they will restock and yes you will have to pay full price, but it will be what you actually wanted. I was able to close the laptop and walk away from it and I was so proud of myself.
I just wanted to share this with you as you played a part in this for me. Watching your videos has made me a more reasonable consumer and makes me this able to think about my needs and what they actually are.
That is great that you know yourself enough to walk away. And thank you for sharing.
Neleh Sims Your post was spot on. I have budgeted my whole life and I am thankful to have a cushion to fall back on now as I retire in a year. I am sometimes an online shopper for items we need especially Amazon . Many times I have had things in my shopping cart and I will leave them there for a week or more deciding whether to order. Anxiety over spending money! Amazon keeps sending me reminder emails that I haven't completed the order. I usually review in my mind, do I really need this? Can I find it cheaper elsewhere? Can I borrow it from a friend, how often do I need to use it? Just because it is on sale doesn't mean I have to buy it. Knowing my money is being saved for a trip to see loved ones is a great incentive to close the lap top as you say.
I will speak about myself rather than pointing a finger at others: I was in debt because my impulse purchasing was way out of control. The result was reaching my mid 50s with no emergency fund, no retirement savings and no any other type of savings. So I think for people who have a shopping problem, spending is a slippery slope. Obsessively paying off debt is the flip side of obsessively shopping. I owed $25k+ three times - got down to zero debt then went right back up. I think people who struggle with extremes need to seek balance. Also we need ground rules when we let ourselves buy things like 1) save up and pay cash; 2) cool-down period so no impulsive purchases; and 3) don't buy unnecessary things to the detriment of paying for a necessity that needs to be paid for. Debt is not straightforward. Good luck everyone.
The problem I always run into when I budget, is that my monthly costs outweigh my income so I'm constantly living in debt due to my student loans. It's just a matter of managing this debt with credit cards etc which I'm pretty good at. Anything I buy for myself or that isn't groceries or bills is putting me farther in debt. I just have to be cognizant of how I want to balance it and eventually pay it off. Still, I can't escape the guilt even though I know that I'll always figure it out somehow when I want to treat myself to something. I find that budgeting just gives me more stress because I'm constantly looking at negative numbers and I feel like I have less freedom with my money. It really affects my self-worth. Instead, I just check my accounts regularly and make plans as I go along to manage my spending, keep my credit utilization down and make sure to pay all my bills while saving a little when I can. It may not be the most efficient but it works for me.
I needed this SO BAD right now. I just bought myself a laptop, not an expensive one, 150, paying 16 a month on it. And I feel like garbage. I bought it because I want to become an author. But money is tight right now and for some reason I can’t stop beating myself up over it even though it’s for a good purpose
Thanks for your honesty, Lydia. I am a newlywed, and my husband & I have almost always been relatively smart with money. We combined our accounts, have no debt, and are learning how to pray and budget together. However, I've moved away from my parents for the first time, and I'm a homemaker for the first time, and I sometimes feel insanely guilty about money even though I KNOW we are genuinely doing our best (and that we have savings! And planning for more savings!). My husband is the sweetest and turns the heat on because he notices me bundled up too much or he encourages me to buy the food that I admit I've been drooling over for days or weeks.
Help. We're in our 20s. How do I stop being paranoid about this? When do I give myself permission to stop researching "money saving tips and diys"? It's a never ending cycle. It sometimes makes me scared because I feel I'm supposed to pick between grad school and having kids in the future, which is frankly silly because we're actually quite stable, and I think it's a little too early to be paranoid over everything. But it's this tension between wisely allocating money and exploring & funding this new journey together.
Lol Lydia you make me laugh. I laughed when you said you can flip that switch, your new light????? lol. Now being serious your so correct on everything you discussed in this video! I love you Lydia Senn! I'm a control freak with my money but I was not always like that, so I feel so blessed.
Great advice! I can personaly relate to a lot of what you said in this video - the why did I wait so long? and the over analysis... I am also so grateful for husbands that speak common sense to our over analytical minds 😉❤ x x x
This is all so thoughtfully put. Great vid!
I have an 18 year old toaster. It doesn't match any of my other appliances, but... it works. So I keep it.🤦♀️
That I totally get! My microwave is from day 1 and it works. My car is 15 years old and it works. I plan to drive it forever. :D
Yup. I have a lot of things like that.
I’m dealing with this right now. I just bought my first MacBook and I have the money saved up and I feel so bad now. I’m like I could’ve saved that just to grow my savings. I know in the long run the purchase was worth it. But right now I’m like that money is missing out of my account.
Yes! It always hurts a little.
It definitely gives you freedom to spend- until you’ve gone over budget. Lol. It happens to me all the time. Lol. I’m working on it.
Hi Lydia. 💜 Enjoy your light that lights up like broad daylight ☀️ Glad it's not just me that has the thoughts - I've already got... so I don't need... Also, money = security, I relate to that. TFS. ☮️
You're the best, Sandra.
I always feel guilty using money it hurts.
Great video!! I feel guilty spending. Im Getting things in order to increase income. At the same time like Dave Ramsey said, I have a spending problem (and an income problem) but behavior leads me to budget but still over spend. Im not out of debt either so its challenging
Thanks for that specific example on the light!! I Can relate!!
I hate spending money even when we spend it on what we saved it for. I completely understand what you said about control.
Great reminder as I always feel guilty spending anything that is not a bare bones budget item even though we are passed that stage.
I haven’t seen Wendy upload in a couple of months. Miss her videos
I so needed this video. I have been using a purse that was literally falling apart but I was afraid to spend money on something I thought I didn't "need". I mean, I could keep using this purse or I could use my smaller one that I can't fit my things in.... but I finally decided to buy a new purse. It wasn't expensive and I paid cash, but I have felt guilty until now. Your video really helped me understand that it's ok to buy things as long as we have the money and we have room for it in our lives. You are so inspiring.
Thank you so much!
5 years waiting is long enough to justify a purchase!
I loved this video. I have some goals for 2020. I'm so excited.
Lydia perhaps you could talk about responsible gift giving for the holiday season for those that celebrate. ( or birthdays etc )
The landfills around the world don't need more useless items, packaging etc. 'What most adult people need is gift cards or money to buy what is needed. What we need is a " library" for household appliances , baby items etc, camping equipment, trailers etc . If you are looking for an item first post on Facebook, " looking for...." bet there is someone that has it hidden in a closet or garage not being used.
I loved this! I always have such bad shopper's guilt...even sometimes when it's something I need. Your channel is so unique and gives such great insight!!
This hits me at my core. I haven't had a driver's side door handle in my car for 2+ years now. The sole reason being I didn't think I needed to invest any money in my own happiness there. I'm debt-free and still like scared to fix it because it'll cost money, like why?!?!? Guilt
Thanks for being real and honest Lydia! Your videos are so great and appreciate your simple lifestyle!
Thank you so much!
I'm kinda in this stage now over a new graphics display for art. The one I currently use is too small so I want a much larger one. Originally I had my eye on one that was on sale for 800. Umming and ahing I missed the sale. Now a higher quality competitor has a sale on and for 1160 I can get a much better quality one. But then the original brand announced their new model for 1200 and then I figured the one I'll get the most life out of it and be perfect for me is going to be 1300. I'm so conflicted. I have no debts to pay off and I have 4k put away for something like this. And it's an investment that I use for work and can make money off it.
100% on point... thanks Lydia much love and blessings for you and your family on your journey to financial freedom 💝💝🙏🙏
Thank you so much!
Great Video; and very much appreciated in this holiday season.
Sometimes a want is a need. Lol!
THANK YOU! My sick and tired moment is soon gonna be me arguing with myself about money 🤷🏻♂️
You get to determine where you spend.
My tights were torn. Not visible thru my dress! So I kept wearing it. A year or so later when my husband saw it. It was breaking point for us both. We cried ,realized that we could allow a little more to spend on things.
Oh bless you.
It's like you have to relearn a portion of what you forced yourself to unlearn to tackle your debt (how to spend again...within reason). But at some point, it's tie to ENJOY to fruits of your labor.
Exactly.
Amen! Enjoy life!
I liked the vid especially the bloopers!
Thanks for sharing. You literally described me lol. I still struggle because I always feel there is something more important we could do with that money. You made a great point about financial freedom. We are in control of our money so we have the freedom to choose 🤯 lol my perspective was very one dimensional. A thought that financial freedom is only when we’ve become wealthy. #livingdebtfree
I don't know if you've done a video on this, it would be nice to hear your thoughts on what you considered extreme money saving when you started but now after all these years are normal to you.
such great advice. 👍 thanks for sharing
Love this 😊
I don't feel guilty spending. When you have all of your financial ducks in a row, you can spend. You need good lighting in your work space. No one needs an over priced designer purse. Good video as always. tfs ☃️ ☃️ ☃️ ☃️ ☃️
Thank you! So helpful.
What about if u want to buy a $70 purse and then u bought it
We have been growing our emergency savings. The problem is my husband has taken it to heart and won't spend ANY of it. I keep telling him if it's an emergency that's what it's for. Instead he puts it on the credit card! Can't convince him not to. So we have a great emergency fund but owe on the credit card.
I’m sorry. There is absolutely zero logic in that thought process. 🤦🏼♀️
❤️
Great video
Girl! Please help me out, I'm looking for a daily planner with a budget section and I can't find one to commit on. I've looked for the video you did on the brand you order but I can't seem to find it. Will you please leave the name or even a link so I can get it hands before 2020 gets here?
Personal Planner
Thank you so so much 🤗
For the first time ever I searched, found, and used a coupon code! I saved $9 and I'm so excited about that!! Thank you for all the helped, informative, and encouraging videos!
💲🙌
I have become extremely rigid over time while becoming debt-free. Hubby has to talk me down into a place of spoiling myself a little bit from time to time.
Yes, honey, you can afford new bras and it's okay. Haha!
lol! Yes you can!
I work grubhub and I made 75$ so that I can buy this purse but my mom doesn’t like that I spend money and now I feel bad that I spent the money