As the title says I struggle with spending
It started when I got a credit card to build some credit before I left college. I went to Wells Fargo and opened a college card and received a $1500 limit. I started out fine. I only used it for gas and paid it off quickly every month.
However, it only took one unnecessary purchase and five years later I owe 1300 on the card as I have for the past year or so, I have negative almost 200 dollars in my bank account. And rent and my car payment, among many other things is coming up. And this is not the first time it’s happened. It’s almost evredy month that I come up short for things and I have to ask my fiancée to bail me out because she is brilliant and saving money and being frugal and responsible.
The problem for me arises when I try to stop spending. So much of my money has gone down the drain because of completely unnecessary purchases on my part. So I’ve tried to stop. I’ve turned off my cards in the app. But it’s way too easy to turn them back on; I’ve given my fiancée my cards to hide. But I have my credit cards saved onto apple wallet. Even if I remove them, apple wallet remembers the cards sometimes so I just tap a couple times and boom they’re back in. And even when I have to re-enter the card numbers, the Wells Fargo app has a feature that lets you add cards to Apple Pay without even having to enter the card number. Which is great if I left my card some where and need it in an emergency but is devastating to my spending.
Last month was really bad. Every time this happens it drives a wedge between my fiancée and I. In November she cried because she felt like she was taking care of a child, and had to take of my responsibilities and finances all the time cause I could not take care of them.
If I were her I would have kicked me out a long time ago. But she is a very empathetic person.
I have a problem. I am at a loss. How do I stop spending?
December 20, 2020 at 12:00AM
