The psychological part of personal finances are killing me. I'm so backwards and could use some help. I'm married with four kids, we do good. But I have paranoia over spending on small things, sometimes necessity things, when my wife grocery shops... I sometimes have these "you only live once" moments then have buyers/spenders remorse then next day.
What this all amounts to is that my discipline is Horrible. We've used spreadsheets, we've used YNAB, we've even done the Dave Ramsay approach.
I know, suck it up buttercup. But I truly want to do better, my biggest weakness is that I'm faced with problems prioritizing life over money and vice versa. I find I'm ALWAYS saying "let's find a cheaper way to do this" or "are there any discounts" or "that's too expensive" and I feel that impacts my wife and kids.
I just keep looking for the right path, where should I invest? Should I be selling my house? Do the kids need new clothes right now? Should we go out for ice cream tonight? We just went two nights ago? Etc etc
Maybe I need a therapist and a financial counselor lol but the stress I deal with on a daily basis related to finances I think is making me sick and slowly killing me.
Any advice, negative or positive would be amazing. Reading about people who have 200k in the bank makes me feel like a complete failure and that I'm a terrible father and husband. I just want to feel like I'm winning for once.
Submitted September 04, 2017 at 10:24PM by jmackhh http://ift.tt/2eETv71
