For those who grew up in a financially challenged environment, how did you learn to feel more at ease when it comes to spending on things you desire (beyond just the essentials) as adults?
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Getting more comfortable with spending money on non-essentials as an adult after growing up poor can be a journey. Here are a few things that helped me:
Mindset Shift: I had to change my perspective on money. I realized that spending on things I enjoy isn’t just wasteful; it’s a form of self-care and can enrich my life.
Budgeting: I started budgeting to allocate a specific amount for discretionary spending. Knowing I have a “fun fund” makes me feel less guilty when I choose to indulge.
Small Steps: I began with small purchases that brought me joy, like a nice coffee or a book. Gradually, I became more comfortable with spending larger amounts.
Value Experiences: I shifted my focus from material goods to experiences. Spending on travel or activities often feels more rewarding and less guilt-inducing.
Financial Stability: As I became more financially stable, I realized that it’s okay to spend money without constantly worrying about the next paycheck, which allowed me to enjoy my earnings more.
Community Feedback: Surrounding myself with friends and peers who also value spending on experiences and self-care helped normalize it for me.
Reflection on Worth: I’ve learned to ask myself how much happiness or satisfaction a potential purchase would bring, which helps me prioritize better.
Ultimately, it’s about finding a balance that feels right for you while acknowledging where you came from. How about you? What strategies have worked for you in developing a healthier relationship with spending?