Spending is easy that in the end you will not notice that you have already ran out of budget. For quite a couple of days, I have already spent a portion of my disposable income, I considered it is as such because it is an extra income. Hence, I already allotted all my bonus to pay for two of three of our astounding obligations. That is for a basically financially literate and practicing personal finance person already.
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Still, I am actually defending myself saying that those purchases though few are necessary. The hybrid radio is needed so that we will no longer depend on TV for news and talk shows saving us on electrical consumption. The classical music cd is for our toddler for his mind and our minds stimulation and the last because I just want it repaired. The cell phone is still greatly functional and is for home use only.
This is the psychology of spending. Our mind is quick to put rationality on our actions even if it tends to complicate things.
The quick reminder is, are we willing to live in a complicated atmosphere? I’m not, that's why I am taming myself. My inspiration is simple. Once I got out of my debt, I could start immediately on my journey towards financial freedom. I just couldn't think of a life having no debt to think of.
This is not only for my future but also for all those who depend on me. And most of all for my God for apart from Him, nothing would be possible.
For additional info and inspiration, also see Keeping Away With Spending Spree Every Christmas Season