How to get rid of the feeling of guilt when you spend money

You may have encountered advice to give up coffee takeaway or a new pair of shoes to accumulate quickly on a large purchase. If only it were that simple! Unfortunately, non-small spending almost closer to a new apartment, or early retirement. But permanent restrictions increase the stress. And when denied themselves everything easily break away and buy something unnecessary under the influence of emotions.

And it is unlikely it takeaway coffee - the cause of your financial problems. Rather, they blame the lack of a clear budget and useful financial habits. But it may well be correct.

1. Make a financial plan and stick to it

Perhaps you think that the money spent on yourself, could go for something more important. Of course, you will feel guilty if, after the purchase are not sure if the next month to save on food have. In this case, it will help financial planning.

Try to build a budget on the basis of 50/30/20. According to him 50% of income is spent on mandatory payments and needs, 30% entertainment and 20% - to help yourself in the future (savings for some purpose, the creation of a reserve fund, investments). Of course, you can adapt it to fit their conditions. If your city is very expensive housing, incomes are distributed under the scheme 60/20/20. If you want to quickly pay off the debt, or save up for

When you know exactly how much is spent on basic necessities and storage, you can safely spend the rest themselves.

Now, instead of repeating "I have to be more responsible with money," you say to yourself, "I took care of their accounts and view and can indulge in something because it's earned the right."

Do not scold yourself if you deviate from the plan and spent too much on the fun. Just Adjust the budget for the next month, to cut costs in the appropriate category. After all, for this you need a plan, and - to help you control spending.

2. Change your attitude to the budget

Many people think that the budget does not allow to spend money. In fact, he does not limit but liberates. With it, you take care of yourself. Calculate in advance how much you need for basic needs and long-term financial goals, you can safely spend the rest on entertainment or self development.

You worked hard to earn that money, so why not spend it on yourself? You deserve this dinner in a restaurant, or a trip with friends, or a new thing. You do not have to blame themselves in a spontaneous purchase, because it is included in the budget.

3. Spend just free money

If the purchase is necessary to take credit or pay by credit card, discard it. If you want to get into the reserve fund, too, refuse. The reserve fund is needed for emergencies such as illness or job loss.

If you do not take into debt and do not ignore your financial goals, and the guilt is still there, perhaps, the thing itself purchases. Make sure that what you are buying for a couple weeks. Keep a record of each transaction in the notebook and evaluate how the purchase is valuable to you. If something does not bring happiness and good, but you buy it out of habit, stop doing so.

4. Find a little more money for themselves

• Trim one category of costs, that was enough for something else. For example, you want to go to the gym, but you do not have a free amount for the subscription. Try to give up something else, for example, from lunch in a cafe or going to the movies.
• Sell ​​unnecessary things. Surely you have appliances, clothes, books or furniture in good condition that you no longer use. Get rid of excess and help out a little money for something nice for yourself.
• Watch for discounts and sales, look into the sites with the second-hand things. It is not necessary to buy a thing, What is your dream, for the full cost.