Trouble spending money

Q_PrimeQ_Prime Registered User regular
edited August 2009 in Help / Advice Forum
hey, I've had this problem for a while but it's just been getting worse. I get pretty interested in how things work and how things are made, and usually when i go to buy something i assign a value to it, i take into account how much I'll enjoy it, how much it usually goes for and how much i can buy it for, if i can get an item for below the standard price and I'll enjoy it then i purchase it and there is usually no problem.

except recently I've been having trouble justifying the money spent. the most recent example would be that i bought half life 2 episode pack on the weekend since it was on sale, 6 dollars for the both episodes down from 20. i thought it was a great deal but now that I'm thinking about it, the re-playability on a single player game isn't very high and i feel guilty about spending the money. it gets to the point where i feel physically ill spending money.

it doesn't help that I'm not in the best financial position. the last thing i bought for myself was a hdd and some ram and l4d in February. so in the last 8 months i bought about 4 things for myself. every time i get a web design job (i do that freelance) i tell myself i'll take 100 of 1300 (as an example) and spend it on something i want, but instead i just find myself paying bills and saving.

i hate that i can't enjoy myself without thinking about the money and i want to get over it but i have not been able to :/

does anyone have any suggestions about how i can alleviate the stress i feel when making purchases?

Q_Prime on

Posts

  • eternalbleternalbl Registered User regular
    edited August 2009
    Buy popcorn next time you go to the theatre. there's no bigger rip off out there, so if you can enjoy that popcorn you'll be cured.

    And you have a budget right? So you know what you must keep for bills and what you can squander on whatever you like? Include savings as a bill so you have a good emergency fund for back up.

    Do you have an emergency fund?

    eternalbl on
    eternalbl.png
  • Blake TBlake T Do you have enemies then? Good. That means you’ve stood up for something, sometime in your life.Registered User regular
    edited August 2009
    The two episodes probably take what 14 hours to finish?

    You are paying less than fifty cents an hour for entertainment.

    It's not like you are getting fucking lapdances here.

    If you set yourself a hard budget and stick to it, you should have some splash money that you should be allowed to spend guilt free.

    Blake T on
  • Q_PrimeQ_Prime Registered User regular
    edited August 2009
    right now i have 2400 saved, but i do have debt 8000 for school. so i consider myself 5600 in the red, which makes it harder to spend, every time i go to buy something i think about how much better off I'd be if i kept that money to pay off my debt. I'm still hoping I'll get a big 7-9k web design/development job so i can just pay it all off in one shot. in between jobs i am working on a software package I'm hoping to sell.. i live in a town with a lot of cottages and bed and breakfasts so I'm designing a web package that will allow them to manage their own reservations. i run a pretty tight budget, my monthly expenses amount to 100$, 10 for loan minimum payment. 50 for the internet, and 35 for my cell phone and roughly 10 for my web hosting. if i could cut it down any lower i would.

    last month i brought in 1550 working on one job... i just realized that i significantly increased my savings in a single month. i think if i just get more work I'd be able to work on my spending. i guess my debt just feels overwhelming in comparison to my savings :(
    Blaket wrote: »
    The two episodes probably take what 14 hours to finish?

    You are paying less than fifty cents an hour for entertainment.

    It's not like you are getting fucking lapdances here.

    If you set yourself a hard budget and stick to it, you should have some splash money that you should be allowed to spend guilt free.

    yeah i know, it's those damn multiplayer games that spoil me. i paid 40$ for starcraft battlechest and played it for 6-7 years, i paid 20 for battlefield 2 and played it for 95 hours (bf2 keeps very good stats), 100 for wc3 and wc3ft and played it for 4-5 years. so it gets harder to justify games i know will have a limited life in comparison. although i also know i'm being stupid so you don't have to point that out. i don't know if i'll ever be able to have 'guilt free' spending as long as i have debt :/

    edit: actually i feel a little better about the money that i spent but i figure now i need to focus on getting another freelance job, i have a meeting today which should go well since i've worked with this person before, i just need to find another one (hopefully a bigger one) to help me pay down some debt.

    Q_Prime on
  • CauldCauld Registered User regular
    edited August 2009
    Stop worrying about your student loan debt, its some of the best debt you can have. Low interest, and what interest you pay is tax deductible. I graduated more than 5 years ago and still have about half my student loan left to pay, I don't let it get me down. I literally could have paid it off at any point since I graduated, but choose to invest that money instead.

    I'm kind of similar to you in that after I purchase things I often think of them as a waste of money, but like Blaket suggested if you think of things in terms of the amount of entertainment per hour you get, it makes it a lot better. You could go to a movie for about $10/hour or buy that game for $0.50/hour as previously mentioned. And there are far more expensive things than going to a movie that many people frequently enjoy.

    Just try to relax and enjoy things while you're doing them. Try not to think about the cost so much. I know if I start thinking about how much I'm spending at a restaurant, for example, I lose any enjoyment I might have gained from eating there. Also, keep in mind that if you've paid for all your necessities and still have money left over then the only thing to spend it on is enjoyment. Your debts will be paid off in time and as long as you stick to the schedule then try not to worry about them.

    Cauld on
  • Eat it You Nasty Pig.Eat it You Nasty Pig. tell homeland security 'we are the bomb'Registered User regular
    edited August 2009
    It helped me to think about discretionary purchases in terms of dollars/time enjoyed. Like, those half life episodes maybe you'll play twice ever, right? If you spend twenty hours total playing them, you've paid less than fifty cents an hour. Compare that to going out for dinner, or going to see a movie (or renting one); DLC is a pretty efficient use of your entertainment budget. Hell if you consider my xbox+madden purchases in those terms my entertainment:$ is probably even better.

    (of course, this reasoning led me to stick with WoW for a pretty long time!)

    The biggest thing is to not think of entertainment as a totally extraneous expense. Everyone needs to spend some time doing fun things to keep from going insane.

    Eat it You Nasty Pig. on
    hold your head high soldier, it ain't over yet
    that's why we call it the struggle, you're supposed to sweat
  • FightTestFightTest Registered User regular
    edited August 2009
    Fucking 'ey I've rewritten this post like 748024 times now because I don't know which of 3 categories you fall into:

    A.) A neurotic penny-pincher.
    B.) Someone on the path to enlightenment.
    C.) A combination of the two.

    I think it's C, so here's me addressing B then A and you can take a bit of both.

    Society wants you to buy a ton of stupid, worthless shit because we are a consumer-driven society and the world runs on your imaginary dollar buying shit you don't need. So if you feel bad after buying something you weren't really sure you wanted and didn't really like and then have this item simply taking up space in your life contributing nothing, then yes, you should feel bad. "Things" will not make you happy, they can only distract you. We all need distractions every now and again but it's stupid to base your life around them.

    I hate spending money because 95% of the time I don't look at whatever I bought within a week. So I don't buy much. I don't spend money on unneeded or ephemeral goods, things like eating out, clothes I don't need, full retail games that I'm not sure about, etc.. Nothing wrong with this.

    However you get into the neurotic penny-pincher thing when you're worried about $6 for two guaranteed good games. You have to have some valid, realistic cost:time:enjoyment ratio for your budget. I generally wouldn't spend $6 eating out because the enjoyment lasts 10 minutes and I walk away with nothing. But two acclaimed games for $6 will last for a while and you've then had that experience.

    So basically be glad you're not another mindless consumer-whore buying everything the media says you want, but get a grip and learn to differentiate between pocket-change for hours of entertainment and shitting money down a hole for no gain.

    FightTest on
    MOBA DOTA.
  • Q_PrimeQ_Prime Registered User regular
    edited August 2009
    Everyone: The movie analogy is a good one, as is the restaurant one. my friends love eating out and i always feel like it's a waste of money. my dad is a chef so instead of eating his great dinner, i go out to eat someone elses mediocre dinner and pay for it.. and i still do it. :/

    Dyscord: I ended up playing wow for a really long time as well, almost 1 year, but that was when i was working full time and not going out much. I ended up breaking even on the account so it's not that bad.

    FlightTest: I've thought about it alot and I don't know which of the three categories i fit into either :p There are all these things I think i want, but if i wait long enough i don't want them anymore. so i force myself to wait, because either i'll a) stop caring, or b) get it on a deal. valve games always go on sale. anything at retail stores ALWAYS go on sale. it's like clockwork so i feel kind of stupid paying full price for something i know for a fact will be going on sale and even when i buy it i think "how important is this purchase", "how useful/helpful/fun will it be" and if i can't honestly answer that then i rethink my purchase.

    inside i hope it's more b then c, or a, but it's probably the reverse :p

    Q_Prime on
  • SmurphSmurph Registered User regular
    edited August 2009
    This might just be me but if I go too long without spending some money on myself I will eventually cave and spend way too much on myself all at once. I get the same feeling as you, that I've been living like a fucking monk for months and months and I should spend money on myself because I deserve it. Then i wind up spending way too much money. The way I avoid that now is by spending like $20-30 on myself every month or so. New game, new book, new shirt or pants, new movie, dinner at a nice restaurant, getting drunk with friends at a bar. It's better to make a point to do something like that regularly so you can avoid caving in and buying yourself an HDTV or laptop or something every 4-6 months. I don't get the urge to splurge (omg rhymes) if I know I've treated myself recently.

    Smurph on
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