>>10027890Lately I've been trying to plan myself better financially and here are some tricks that have been helping me:
-Don't keep all your savings in 1 account. Have 2 bank accounts, preferably in a bank that isn't harsh with maintenance taxes. In 1 account you'll dump all your income, paychecks, commission fees, etc. The other account is your "leisure one".
-Everything you earn as income will have 10% of it transferred to the leisure account. Paycheck cashed in and you got $2000? $200 go to the leisure account. Sold something for $100? $10 go to leisure. Found $15 on the floor? 1dolar and half go to the leisure account.
-You can buy plushies ONLY with the amount in the leisure account and you CANNOT touch the other account's money for anything that isn't expenses related. If you really need a plushie you'll have to wait for the leisure account to save enough until you can buy it.
-Make as much of a hassle as possible for you to browse shopping websites. Therefore, remove jellycat from your bookmarks, remove etsy app, remove ebay app, remove amazon app, remove all apps and shortcuts related to you going into a retail website. The more hurdles you put on the way the lesser will be your chances of browsing idly with intention of buying something
-DO NOT keep your credit card's password on your device's memory and make it as much of a hassle as possible to access it. Every time you want to buy something you'll have to: get up, find your wallet, find your card, then open your bank account maybe. All these hurdles are extra little steps to discourage you from buying
