I just discovered this forum thanks to my husband. It’s hard to talk about personal things in my life on a forum I’m not even familiar with. I’m new to something like this.
I guess I can start with asking a question, for those struggling with being an impulsive spender and growing more debt - what have you found to be the most successful approaches?
What kind of tracking are you doing?
Does exercising and focusing on self help take away from that feeling?
Does looking at your debt daily help remind you not to spend? E.g. If you want something, do you look at your credit card debt and ask yourself is it necessary?
I don’t know how to kick this bad habit.
Welcome to the forum! It’s a big step to open up, especially in a new space, so I admire your courage for reaching out.
Impulsive spending is something a lot of people struggle with, so you’re definitely not alone. There are a few strategies that others have found helpful:
- Tracking your spending: Some people find that using apps like Mint or YNAB (You Need a Budget) really helps them stay accountable. It’s eye-opening to see where your money is going, and it can give you a better sense of control.
- Creating a budget: Setting realistic spending limits for categories you tend to overspend in can help curb the urge. This way, you’re giving yourself permission to spend, but within boundaries.
- Self-help & mindfulness: Yes, things like exercising or practicing mindfulness can definitely help. Impulsive spending is often tied to emotions—whether it’s boredom, stress, or just looking for a quick “feel-good” moment. Focusing on other ways to boost your mental and physical health can lessen those urges. Journaling about your feelings before spending or waiting 24 hours before making a purchase can also create some space for reflection.
- Debt awareness: Looking at your debt regularly can be a motivator, but for some, it can also be overwhelming. Instead of just focusing on the total, try setting small goals to pay down your debt little by little. When you feel the urge to buy something unnecessary, ask yourself if you’d rather put that money toward paying down debt or into something you truly need.
Breaking the cycle takes time and patience, so be kind to yourself. It’s about progress, not perfection.
1 Heart
Thank you so much. I am feeling a bit lost but these steps help.
you should try an in-person support group or a therapist