That's actually a psychological disorder often associated with Bipolar. It's called binge spending. It happens during the euphoric periods of bipolar. Are you hyper sexual when you do this? That is also another sign.

 

I always want to have sex and spend money. What is wrong with me?? Is there a name for this?? Now I'm concerned.

 

haha no.

but i like spend money, and then worry about it later..

like i have it since i have no expenses + i'm working a few days a week, but still I buy stupid ****.

like the other day, I bought a ****ing air tank ... no ****ing reason at all.

and then bought like $60 in adapters and fittings.

and then today, I bought an impact gun, of which I have no major need for.

and still I have the air tank, but nothing to fill it up with besides a little 12v tire pump since I *****ed out of my OBA plans.

I bought the air tank and like an hour later, tried to sell it.

**** isn't normal.

 

dude dont worry. i do the same things. its bad.

 

well i feel sick when i spend alot of money. like when i bought my lift and then my camera i literally get sick to my stomach because i know it took forever to get the stuff and then its gone in a second. my camera 3 months ago i have a stomach ache for 3 days i kid you not. it sucked to eat and everything. i know its all mental but hey, its what i feel.

 

If you worked to earn your money that probably has something to do with it... happens to me alot..

When my parents would hand me a 20 I wouldnt really regret what I spent it on.

When I made 6.87 an hour and went to a fastfood place and spent $7.00 I would get so pissed at myself because that was over an hours worth of hard manual labor lol

 

Hey, at least you have a job. I've got $20,000 in student loans to pay off from when my first attempt at college didn't work out so well. I'll be goin' back to school in January and I've gotta get that paid for, and with no job, it really sucks. I guess buying stupid **** SHOULD be outta the question for me... I still do it anyways.

 

Maybe if I have a guaranteed steady income I won't feel as bad about little $100 purchases here and there, but I blew through like 800 bucks since the first week in July and have like nothing to show for it.

 

Get a girlfriend/wife/fiance, she'll nag you senseless if you buy something stupid.

 

I normally think about wanting to buy something and then wait a few days. If I still want it so bad, I get it. If not, all the better. You'd be surprised just how much useless stuff you buy everyday.

Having said that, I stinge on the expensive stuff, but it's cheap stuff that gets me. $4 here, $7 here, etc. kills me every month.

 

Dude, you're 19 years old and I'm assuming you live at home. Sit down and make a monthly budget - maybe $75 for a cell phone bill, $50 for gas, $100 for various actvities, $100 for Jeep insurance, etc. Once you have a simple budget you'll know how much money you need every month. Make sure you always have that much in the bank, and spend every other dime you make on whatever the hell you want.

Of course, when you move out and have actual responsibilities you shouldn't follow this plan, but that's exactly what I did until I graduated college and it was great. I worked almost full time making between $10 and $14 an hour throughout college and I think I had $300 to my name when I got my degree. No regrets whatsoever. Enjoy it while you can.

 

**** I spend about $40 in gas every two weeks or so.

And yet, I really go nowhere.

As for the other expenses, I don't have any.

Its just little stuff that I buy that although I may need I probably shouldn't have bought.

Here's the past transactions since July 20th.

CKCD DEBIT 08/12 US GAS SEWELL NJ $37.77 - gas
POS DEBIT 08/12 WAWA 360 SEWELL NJ $5.87 - sandwich for lunch
POS DEBIT 08/12 WAWA 479 SEWELL NJ $5.86 - sandwich i could've waited for
CKCD DEBIT 08/10 WAWA 775 W-TOWN NJ $10.23 gatorades for workers
POS DEBIT 08/11 SOU THE HOME DEPOT 9609 SICKLERVILLE NJ - misc parts for air tank
POS DEBIT 08/11 SOU THE HOME DEPOT 1617 SICKLERVILLE NJ $12.33 - air tank parts
WTHDRL DDA 9304 08/11 ATM $50.00 - $40 went to the air tank

CKCD DEBIT 08/08 Supplement Warehouse $37.31 - some fat burners i bought
POS DEBIT 08/10 CVS $19.99 - Joint Supplement
POS DEBIT 08/10 WAWA 379 WILLIAMSTOWN NJ $13.22 -I decided to be the nice guy and buy a ****load of gatorades for the guys I was working with
POS DEBIT 08/08 WAWA 775 WILLIAMSTOWN NJ $8.53 who knows?
POS DEBIT 08/08 SOU THE HOME DEPOT $6.36 - I think a hinge?
POS DEBIT 08/08 SOU THE HOME DEPOT $5.23 - something for a gate
POS DEBIT 08/07 SOU THE HOME DEPOT $44.42 - some wood for a gate
POS DEBIT 08/07 WAWA 379 WILLIAMSTOWN NJ $9.37 - gatorades and lunch POS DEBIT 08/07 WAWA 975 TURNERSVILLE NJ $6.34 - more gatorades
POS DEBIT 08/04 WAWA 775 WILLIAMSTOWN NJ $4.49 - no clue?

CKCD DEBIT 08/03 WAWA 721 0000WILLIAMSTOWN NJ $35.75 - more gas
POS DEBIT 08/04 CVS $11.80 not sure?
WTHDRL DDA 2512 08/04 07:22WAWA ATM $20.00 - who knows?
CHECK # 98 $54.00 - ****ing ticket
CKCD DEBIT 07/30 OUEST TELECOM 56VANNES $20.00 - tried my luck at online Poker and blew it all within $10 minutes
CKCD DEBIT 07/30 SUNOCO SVC STATIONHAMMONTON NJ $20.00 - more gas POS DEBIT 08/03 SOU THE HOME DEPOT $7.15 - no clue?
WTHDRL DDA 9408 07/31 07:05901 OCEAN AVE N WILDWOOD NJ $21.50 - bought some little breakfast things for the fam
CKCD DEBIT 07/28 CVS PHARMACY $15.27 moms prescription
CKCD DEBIT 07/25 INTEGRITY AUTOMOTIVE $64.20 - to change an o2 sensor
CKCD DEBIT 07/26 PAYPAL $40.00 - bought a new electric fan
POS DEBIT 07/24 AutoZone $94.15 o2 sensor and some other thigns i forget
POS DEBIT 07/22 AutoZone 1672 213 N BLA WILLIAMSTOWN NJ $56.24 code reader and something else

 

Stop buying Gatorade, you'll be a millionaire within the year.

 

Now that I look at it, it really is all the small stuff that is killed me.

Maybe only 300-400 of that is in big purchases.


edit: nevermind more like 675ish

 

01limited is right, its not the big purchases which get to you, its the small things. I absolutely refuse to buy food or drinks out of vending machines or even convenience stores.

I instead buy food in bulk and drinks including alcohol in bulk. I dont understand my friends when they always want to go out to the bars and get drunk. I simply drink by myself witha 30 pack or whoever else wants to join (with their own booze of course). Sure a bar has great atmosphere, but heck most people dont talk to random strangers most of the time.

I spent prob 1k last week too, alot of it food and random things. But if you stop going out, which i stopped doing (im also married and my wife goes crazy everytime i leave my room) you end up saving tons of money. Of course if youre single and want girls or guys, I understand. But if I could go back, i wish I hadnt spent money on half the booze at bars or food at restaurants I had.

Then again, youre in college, you'll never relive the experience again.

 

Like what was said above definitely do a budget. I use to be bad about spending because I thought "If I make lot's of money I should be able to spend lots of money" and that is wrong. Since we've come up with a budget years ago I feel a lot better about buying things now. Once you've set aside all the essentials and savings make sure you set aside a little play money or you feel like it's all for nothing. Mine comes out to about $125 a month that is for nothing else other than spending on anything I want. If I want that new $600 camera, I can wait 6 months or I can sell something, or cut back here and there on things to build it up. Matter of fact, I finally bought that new A/C & Heater combo for the garage I've been wanting :2thumbsup:

To be honest, I'm a woot, shirtwoot, dailysteals, cheapcheapcheap and slickdeals junkie. I check those sites religiously everynight at midnight to see what deal I might find. I have my play money in an account and what I buy from there comes from my account. Since I know it's money dedicated for nothing more than that, I'm fine with spending it. On occasion I've even given that money to friends that really needed it, but since it didn't affect my household budget it was all good. Bottomline though, if the money isn't in the account I don't buy anything. :thumbsup:

 

Depending on what you are into...

www.steepandcheap.com
www.bonktown.com
www.whiskeymilitia.com
www.brociety.com
www.chainlove.com

Those all change about every 20 minutes, and you can find some excellent deals on outdoor gear.

 

I think I'm going to start leaving my mac card at home.

I have all my money in my savings which is set up to transfer $50 a week automatically into my checking, so I'm going to try and limit my spending to $50, and not spend much (if any) money this coming week sicne I've spent so much this week.

 

Another thing you could do is just take out so much a week in cash and live only on that. Once it's gone it's gone. Then you'll have some left in your bank account.

 

We do this too, it's the envelope system. I have a gas, dining out, grocery and lunch envelope. It works great!!!

Depending on what you are into...

www.steepandcheap.com
www.bonktown.com
www.whiskeymilitia.com
www.brociety.com
www.chainlove.com

Those all change about every 20 minutes, and you can find some excellent deals on outdoor gear.

Damn you, like I needed anymore :laugh:

 

I'm an accountant. I used to live paycheck to paycheck in my 20's before I went back to school. Go out all the time, blow it. I look back now and go, "damn, I could have SO much money in the bank"....

BUT, I enjoyed it, so I don't totally regret it. But the reason accountants are notoriously cheap, is that the understand the beauty of compound interest.

For example, take your $675. If you got 6% on that money, in 20 years, it'd be worth a little over 2k.
If you put that $675 in an account and put $100 away each month for the next 20 years, you'd have almost 50k. And the beauty of it is that you have only contributed $24,675.

6% is an arbitrary percentage right now, but the point is there. I started getting to the point where just like someone else in this thread, I'd say, "ooo, I want that"...then I'd wait a few days and odds are, I'd forget about it....

I want to mod the crap out of my jeep, but I also think, damn....that $5k is going to be worth how much when I'm 60?

I always here about the live for the now, etc..but the whole country is doing that, and frankly, I don't want to be the one who's 65 and still busting my *** because I didn't save. I enjoy the things I do, I just dont' do EVERYTHING I'd like to....big whoop.

 

I'm an accountant. I used to live paycheck to paycheck in my 20's before I went back to school. Go out all the time, blow it. I look back now and go, "damn, I could have SO much money in the bank"....

BUT, I enjoyed it, so I don't totally regret it. But the reason accountants are notoriously cheap, is that the understand the beauty of compound interest.

For example, take your $675. If you got 6% on that money, in 20 years, it'd be worth a little over 2k.
If you put that $675 in an account and put $100 away each month for the next 20 years, you'd have almost 50k. And the beauty of it is that you have only contributed $24,675.

6% is an arbitrary percentage right now, but the point is there. I started getting to the point where just like someone else in this thread, I'd say, "ooo, I want that"...then I'd wait a few days and odds are, I'd forget about it....

I want to mod the crap out of my jeep, but I also think, damn....that $5k is going to be worth how much when I'm 60?

I always here about the live for the now, etc..but the whole country is doing that, and frankly, I don't want to be the one who's 65 and still busting my *** because I didn't save. I enjoy the things I do, I just dont' do EVERYTHING I'd like to....big whoop.

Well this money right now is moreso just spending money til I go in the military and then I'm going to start my saving. So really it just has to last me until october. I guess in a way I could consider it all fun money, but in a month I spent more than half what i had.

 

ive been tryin to save up as much as i can. i hate seeing my bank acount go down fast it sucks. the other day one of the zippers on my soft top windows broke off and i had to spend 150 on the f******g thing.

 

Really? if you had bought it on here, you might have gotten a whole top for 50 bucks...

 

I did it today. Went and bought $200 worth of wii stuff... Got home and went "****..." Happens to me all the time. It was really bad after I bought my car. I do well but it still bothers me.

 

dont ever go shopping when youre hungry, its worse when youre hungry and drunk. DONT. I bought all that canned soup and wow I regretted it.

 

I have a good system the wife and I don't separate the money, its not mine and hers...its ours. so I get paid every week and my wife gets paid every 15th and end of the month. so this is how we work it out and it works great. The first week we only have my check which covers expences for the week and most of the time money rolls over to the next week No bills. then the next week we both get paid so we pay ALL the bills exept rent and car insurance still leaving us with plenty money for the week plus money for anything extra we want to buy. then the third week just my check again which we don't even have to touch since we still have money from the week before. then at the end of the month we both get paid again and at this time we pay rent and car insurance. So All bills are paid and theres plenty of food in the house and we still have plenty of money left for whatever we want, thats usually when I start looking for stuff to buy. I never use money I don't have and my money is always acounted for, my wife and two kids come first. I make sure I put money aside for unexpected expences, then I can indulge in jeep toys or put money in a pot to save up for somthing more expensive.

 

One click ordering needs a ****ing breathalyzer, seriously.

 

Dailysteals is the worst, I swear I can't help myself. They have so many things that say FREE, and I think hell it's free how can I pass that up. Then they hit you with the $5.99 shipping and then you think, well hell it's only $5 it's still worth that :laugh:

 

I just bought my lift...and was super broke after that and felt sick. I then found out my next paycheck wasnt gonna be as much as i thought (like 136 bucks) and i had to pay my car note...which was 125...so i have like 97 bucks left in my account to hold me over till my next big check in 2 weeks.....fun

i really gotta get my priorities in order..money wise. Luckily after my lift and tires i will be done modding my jeep for a while.

 

That's basically where I'm out.

Like I have a couple hundred right now, but I want a lift. So I can't be spending that couple hundred and being comfortably able to purchase whenever iwanted.

 

get a credit card man. then you'll have a credit line.