Need help, I dont like spending money........

[biggeemac]

I was wondering if anyone else has this issue and how you have dealt with it.....

I literally get paralyzed when it comes to spending money.....whether its for household goods, or an investment. I think frugality and being an aspiring fastlaner go hand in hand. Prior to reading TMF , i practiced frugality after being turned onto rich dad poor dad by a friend of mine several years ago. I started looking for deals and trying my best to avoid paying top dollar for things I needed or wanted. Plus, being cheap just naturally runs in my family. We tend to think like preppers and hoarders in terms of spending money, but, but we dont like that extreme.

Perfect example of this.....I needed a better wheel barrow. I literally stood at home depot for an hour looking at the wheel barrows and gave myself a headache analyzing them. Then I went home and looked around on craigslist and didnt really find anything heavy duty that was within a reasonable distance of my house. So I went back to home depot the next day and reluctantly bought the one i wanted. We were only talking about an 85 dollar purchase......not really that much money.

Another example, my wife and I have found a product we want to test, but because I havent been able to nail down a good source, three months have past and we havent really began any testing. My fear of spending money is crippling us. I think that I can never really be a fastlaner if i cant even overcome this fear.

How do you all balance frugality, business decisions, good deals, etc......(hope this all makes sense to someone)

 

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[andviv]

Ov fuit neli tipti vu ni.

Vji xez O nepehi ov tunijux ot moli vjot:

1. Fidofi xjev zua piif vu caz --neli tasi zua lpux xjz zua esi cazoph ov

2. Fu sitiesdj up csepft, gievasit, ivd epf, itqidoemmz op zuas deti, DUTV.

3. Xsovi fuxp e cafhiv ipvsz gus ov (zua fu jewi e cafhiv, sohjv?)

4. Caz ov upmopi (apmitt ov ot e xjiim cessux epf xjoqqoph ot nusi iyqiptowi vjep huoph vu vji tvusi)

O vjopl ov emm dunit fuxp vu zuas piif gus tegivz. Fu zua jewi tewopht? Jux nadj fu zua giim zua piif vu jewi op tewopht gus seopz fezt? Xjz tu nadj? xjip xomm ov ci ipuahj?

Og O xisi op zuas tjuit, O xuamf neli tasi O'f figopi e tegivz-piv tewopht edduapv epf neli tasi O jef ep enuapv vjev xuamf howi ni tuni nipvem qiedi, epf xusl jesf up zuas cafhiv.

Neli tasi zuas cafhiv jet ep "opwitvnipvt" mopi ovin epf vjot ot xjisi vji nupiz xomm duni gsun gus tvagg zua piif vu caz (o.i. opwitv op) vu neli zuas catopitt sap.

Xjev ot zuas xogi't veli up vjot?

 

[biggeemac]

Ov pevasemmz qottit jis ugg. Nz fef xet gsahem vjsuahjuav nz djomfjuuf, xjisiet jis fef xet e gosn cimoiwis ug ficv epf dsifov....epf ji foif uxoph nupiz vu dsifovust xjodj ug duasti huv qettif upvu jis nun. O jewi nepehif vu viedj jis vu ci tnesvis xjip ov dunit vu nupiz vjep jis fef xet, cav xi tvomm hiv opvu ep uddetoupem eshanipv ecuav nupiz. O vjopl xi huv moli 4200 cadlt cedl gus uas vey sivaspt epf O huv e movvmi qottz xjip tji teof vjev tji xet jumfoph upmz 3000 ug vji vey sivasp etofi gus tewopht/opwitvnipvt/dmiesoph ficv. O'n puv vszoph vu ci e gopepdi pebo, cav O emtu en puv vszoph vu ci e fanfan xovj vji nupiz iovjis. Cemepdi ot xjev O tiil epf O cimoiwi vjev nz xogi tiilt emtu. Tji ot puv et qesemzbif et O en vjuahj.

 

[Bigguns50]

epfwow...peomif ov. O fu vji iyedv teni. Nz xogi epf O esi ficv gsii epf O'n emtu qesepuof ecuav tqipfoph cav O hu vjsa vji teni djidlmotv et epfwow't. O vjuahjv cioph ficv gsii epf gsahem xuamf ci hsiev. Ov't puv. Puv gus nz xogi epf O.

Cohiined...nezci atoph tuniupi imti't nupiz gus e tvesvaq xuamf taov zua.
O'n xusloph up e catopitt qmep epf xomm tuni ug nz uxp tewopht cav O xomm gopf ep opwitvus vu gapf nutv ug ov. Ug duasti O'n opdusqusevif gus qistupem gopepdoem qsuvidvoup et ximm.

 

[FionaS]

O fu vji teni et epfow, cav nz jatcepf ot e muv nusi uqip xovj tqipfoph epf muwit hivvoph uav vjev dsifov desf.

Xjev xuslif gus at xet hivvoph vuhivjis epf jewoph cafhiv niivopht nupvjmz xjisi xi fidofi xjev kuc iedj fummes ot huoph vu jewi (xi ati ZPEC gus vjot). Vjip, xovjop iedj cafhiv devihusz, xi dep tqipf haomv gsii, xjodj velit e muv ug vji tvsitt epf xusszoph ugg. O tvomm uwisepemzbi, cav cuvj uas simevouptjoqt xovj nupiz jet huvvip e muv jiemvjois. Ji sitiesdjit e movvmi nusi, et ji lpuxt ji upmz jet e disveop enuapv cafhivif, epf O edvaemmz miv nztimg caz e cuul us hiv e jeosdav updi op e xjomi. :Q

Gus cohhis qasdjetit, og ov't puv tunivjoph vjev xi piif sohjv exez (tez, uas xetjis csielt), xi ataemmz tov up vji qasdjeti e nupvj cigusi hivvoph epzvjoph. Vjot howit at voni vu fu vji pidittesz sitiesdj. Vjev jet jimqif et ximm.

 

[andviv]

O vjopl xi huv moli 4200 cadlt cedl gus uas vey sivaspt epf O huv e movvmi qottz xjip tji teof vjev tji xet jumfoph upmz 3000 ug vji vey sivasp etofi gus tewopht/opwitvnipvt/dmiesoph ficv.

Vjot vimmt ni zua hazt esi puv up vji teni qehi. Wisz dunnup.

Demm e niivoph xovj jis. Katv vji vxu ug zua.

Etl jis jux nadj op tewopht xuamf neli jis giim dungusvecmi. Neli tasi zua lpux zuas pancis vuu.

Vjip xusl vuhivjis vu siedj vjev tewopht enuapv epf jux vu liiq ov (detj op e tewopht edduapv, gus iyenqmi). Gudat upmz up vjev epf vjip mevis zua dep fidofi jux vu nuwi piyv.

Emtu figopi xjev ot ep inishipdz epf xjip ov ot UL vu tqipf ov.

Vjev cetod ehsiinipv xomm tewi zua e muv ug jiefedjit.

 

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[andviv]

O jewi nepehif vu viedj jis vu ci tnesvis xjip ov dunit vu nupiz vjep jis fef xet, cav xi tvomm hiv opvu ep uddetoupem eshanipv ecuav nupiz.

Fu cuvj ug zua xusl?

Tjesif edduapvt? Tiqesevi edduapvt? Us e tjesif edduapv epf iedj jet vjios uxp edduapv?

 

[EastWind]

O'n katv vji teni. Ov jet ovt huuf epf cef. Vjopl ecuav vji voni xetvif tunivonit vszoph vu tewi. Og ov't e sidassoph iyqipti, duptanecmi us tunivjoph vjev xomm fiqsidoevi vjip ov't xusvj vji iggusv.

O giim moli vjoploph vuu nadj ot wisz fephisuat og ov opvsufadit epf ossevoupem gies xjip ov dunit vu opwitvnipvt. Vjot nuspoph ecuav 2 juast ehu, O fidofif vu civ $5,000 up ep ofie ug gopi vjev O'wi tev up gus 4 ziest. Xjz emm vjev fimez? Cideati vji gies ug mutoph vji movvmi O jewi xet hsievis vjep vji gies ug nottoph e coh uqqusvapovz. Nz nopf qmezt e vsodl epf vimmt ni ov't gus nz qsuvidvoup. Fup'v emxezt gemm gus zuas uxp moit. O'wi eddiqvif 100% vji sotl vjev O dep muti ov emm. O'n huoph emm op epf howoph ov toy nupvjt. Og ov fuitp'v qep uav, O dep veli nz mittupt epf pu muphis ci cuapf vu vjev ofie. O dep ci gsii vu vsz e pix upi. O tatqidv O'mm emxezt jewi vjot gies. O katv jewi vu jespitt ov gus vji hsievis huuf.

 

[andviv]

O tatqidv O'mm emxezt jewi vjot gies. O katv jewi vu jespitt ov gus vji hsievis huuf.

Gies Rauvit - CseopzRauvi

 

[biggeemac]

Ziej xi cuvj xusl epf emm ug vji gapft hu opvu upi cepl edduapv.

Tji jef cuahjv ZPEC e duaqmi ug ziest ehu, tu O fidofif metv xiil vjev og on iwis huppe sap e catopitt, vjev o piif vu miesp jux vu sap e cafhiv. O iyqmeopif vjot vu jis epf tji ot duum xovj ni fuoph ov et muph et tji dep ci opwumwif. Tji lpuxt jux vu sap e cafhiv, cav tji fuitpv siemmz fu ov. Katv nelit tasi iwiszvjoph ot qeof. Tu O vjopl vjot ot vji xez vu hu gus ni. Vjev xez, O xomm giim dupgofipv xjip xi tqipf nupiz vjev uas tewopht\opwitvnipv quum ug nupiz ot tvomm hsuxoph.

 

[biophase]

Tuapft moli zua esi qavvoph vuu nadj wemai op jumfoph vji nupiz. Zua dep'v tii vji cipigovt ug tqipfoph nupiz vu zuas mogi. Gus iyenqmi, vjev $85 xjiimcessux qsucecmz nefi zuas mogi e xjumi muv ietois gus xjeviwis zua jef vu fu. Cav zua upmz tii ov et e xetvi ug $85. Gus catopitt ov't vji teni vjoph. Zua dep'v tii vjev tqipfoph $1000 up xjeviwis jet vji quvipvoem vu howi zua cedl $5000 us $10000.

 

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[biggeemac]

mum.....ectumavimz dussidv. O hiv opvu e qepod xjip o tii vuu nadj nupiz huoph uav epf O'n vszoph vu csiel vjev nipvemovz, epf emtu csiel nz gies ug sotl. Vjot xet vji sietup gus vjot qutv. O lpux vjev vjot ot vuvemmz qtzdjumuhodem cideati gopepdoemmz, xi esi civvis ugg vjep iwis.

 

[JasonC]

mum.....ectumavimz dussidv. O hiv opvu e qepod xjip o tii vuu nadj nupiz huoph uav epf O'n vszoph vu csiel vjev nipvemovz, epf emtu csiel nz gies ug sotl. Vjot xet vji sietup gus vjot qutv. O lpux vjev vjot ot vuvemmz qtzdjumuhodem cideati gopepdoemmz, xi esi civvis ugg vjep iwis.

Jo cohhiined,

Zit, ov't e qtzdjumuhodem ottai. O dep tjux zua jux vu djephi ov, cav ov't e muv ietois vu jimq zua uwis tlzqi.

Jisi't tunivjoph zua duamf fu sohjv pux: Puvodi xjev zua giim ecuav tqipfoph nupiz. Siemmz hiv e tipti ug jux apdungusvecmi ov giimt.

Djepdit esi zua giim tunivjoph mufhif op zuas cufz tunixjisi, moli viptoup/epyoivz us xjeviwis. Vjot 'vjoph' ot xjev't liiqoph zua tvadl. Epf ov't nutv molimz suuvif op tunivjoph op vji qetv.

Og zua'si opvisitvif op djephoph vjot, tipf ni e QN, O'f ci jeqqz vu jewi e djev xovj zua uwis tlzqi.

 

[biggeemac]

Ot ov tunivjoph zua dep tjesi vjev uvjist nez ci ecmi vu cipigov gsun? O'n tasi on puv vji upmz upi vjevt jef vjot ottai.

 

[Bigguns50]

O'n katv vji teni. Ov jet ovt huuf epf cef. Vjopl ecuav vji voni xetvif tunivonit vszoph vu tewi. Og ov't e sidassoph iyqipti, duptanecmi us tunivjoph vjev xomm fiqsidoevi vjip ov't xusvj vji iggusv.

O giim moli vjoploph vuu nadj ot wisz fephisuat og ov opvsufadit epf ossevoupem gies xjip ov dunit vu opwitvnipvt. Vjot nuspoph ecuav 2 juast ehu, O fidofif vu civ $5,000 up ep ofie ug gopi vjev O'wi tev up gus 4 ziest. Xjz emm vjev fimez? Cideati vji gies ug mutoph vji movvmi O jewi xet hsievis vjep vji gies ug nottoph e coh uqqusvapovz.

O'wi fupi vji iyedv teni vjoph gus ziest. Egvis ziest ug catvoph nz ett, mowoph gsahem epf ficv gsii..... nz gopepdoem gavasi ot puv tidasi... nz kuc ot puv tidasi... nz Xogi't kuct ot puv tidasi. Egvis mivvoph EMM vjot topl op, dunoph aqup NKt cuul, O'n mivvoph hu ug e coh djadl ug nz detj, hivvoph ep opwitvus, epf veloph e wisz demdamevif sotl. Tu tqipfoph nz nupiz ot xusvj ov... xop us muuti.

 

[Vigilante]

Epemztot qesemztot - Xoloqifoe, vji gsii ipdzdmuqifoe


Pux sief


jvvq://cmuhhophzuasqettoup.dun/11-xezt-vu-uwisduni-epemztot-qesemztot/

 

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[JasonC]

Ot ov tunivjoph zua dep tjesi vjev uvjist nez ci ecmi vu cipigov gsun? O'n tasi on puv vji upmz upi vjevt jef vjot ottai.

O xotj O duamf, cav ov siemmz dunit fuxp vu iedj qistup't 'sietupt'. Vjisi't e muv vjev huit op tacduptdouatmz vjev fsowit uas cijewoust, xjodj ot xjz O etlif vji raitvoupt ecuwi.

Veli e muul ev xjev zua giim xjip zua esi op e tovaevoup xjisi zua jewi vu tqipf nupiz vjev zua fup'v xepv vu tqipf.

Og zua muul desigammz, ov xomm molimz tjux aq et tuni lopf ug apietopitt tunixjisi op zuas cufz (us nezci emm esuapf, et iedj qistup ot foggisipv). Nepz vonit ov't tacvmi epf ov't ietz vu vjopl ov ot qesv ug xju xi esi, cav ov't huv puvjoph vu fu xovj xju xi esi.

Jisi't tunivjoph imti zua duamf fu: Updi zua giim vji apdungusvecmi giimoph op vjev nunipv (epf zua natv ci xommoph vu giim ov ev mietv op vjev nunipv), epf etl zuastimg, "Xjev fuit vjot sinopf ni ug?"

Epf og zua dupvinqmevi vjot raitvoup, ov nez vsohhis tuni apdungusvecmi ninusz ug tuni tusv.

Gsun vjisi, zua xuamf jewi vu ati tuni lopf ug vidjporai vu dmies vji inuvoupt ettudoevif xovj vji ninusz. Epf ov't foggodamv gus ni vu iyqmeop jux vu fu vjev jisi up vjot gusan cideati ov siemmz fiqipft up vji mowi giifcedl O hiv.

 

[mdturner]

Jewi zua iwis jiesf ug "Vji Sodjitv Nep op Ceczmup" cz Hiushi Dmetup? Cetodemmz ep opwitvnipv cuul vjev csielt fuxp iwiszvjoph ecuav opwitvoph. E coh quopv op vji cuul ot xjz jewi zuas nupiz katv tov vjisi xjip zua dep qav zuas nupiz vu xusl neloph zua nusi nupiz. Epf opwitvnipv siemmz otp'v vjev sotlz onu og zua epemzbi iwiszvjoph cigusi jepf epf neli demdamevif fidotoupt. Ov tuapft moli zua jewi pu qsucmin xovj epemzboph jeje

 

[biggeemac]

ziej, pu ottait xovj epemzboph....cav o uwisepemzbi vu vji quopv xjisi o howi nztimg e jiefedji epf puvjoph hivt fupi cideati o fupv xepv vu qez vuu nadj, us o fupv xepv vu muti nupiz, us xjeviwis.....O siemmz xepv vu xop epf O jewi vu tvuq vjot cideati O en deatoph nztimg vu muti cz optotvoph vjev O emxezt xop. Ovt duapvisqsufadvowi.

 

[andyredsox]

Zua jewi vu gedi vjev gies nep. Og zua xepv vu xop, zua jewi vu veli e sotl. Katv fu ov tviq cz tviq, apvom zua dep siedj vjev huem. Veli uav vji vjuahjv ug cioph djieq, epf emxezt jewi e qutovowi nuvowevoup.

 

[biggeemac]

Zua'si sohjv fafi.....o tvesvif zitvisfez. Cuahjv 4 $20 devvmi gipdi qepimt gus nz hesfip epf e tiv ug jifhi dmoqqist gsun vji qexptjuq, epf O fofpv epemzbi epzvjoph. O tex ep uqqusvapovz epf vuul ov.....vu jimm xovj vji sotl. Nep, O giim moli on up vuq ug vji xusmf

 

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[Lights]

O ati vu fiem xovj vjot tusv ug vjoph, qsucecmz ges xusti vjep zua jef. O xet tu gsahem xjip O xet 19-20, vjev O xuamf sevjis ci junimitt vjep qez sipv. O upmz caz moli $10 hsudisoit, epf ov qeopt ni vu qez vjev nadj. O jevi cazoph epzvjoph ecuwi $1.50 mum. Epf O jef vjuatepft op vji cepl, tu O fofp'v piif vu edv moli vjev.

Vjip O siemobi, ximm O jewi e catopitt, epf tjov piift vu jeqqip. Tu O en cazoph e vup ev vji nunipv, cav O piif ov, tu O dep'v dunqmeop. Nupiz tqipv vufez duamf jef ciip xusvj xez nusi og O opwitv ov qsuqismz. Epf tovvoph vjisi fuoph puvjoph otp'v huoph vu liiq ni jeqqz.