Hi guys, so like the title states, for most of my life I've had Binge Eating Disorder (bulimia but where you don't purge the food after) and upon consulting with a psychiatrist over the past few years, we have worked out that what is going on with me is kind of an overload of impulse control failures. I'm 30 years old, and have literally no savings. I want to have a savings, and am worried about the future, as whenever something pops up it completely bankrupts me.
My problem is that I can't lock myself out of my own money, and where I need some suggestions is thusly: is there any type of savings account out there or any sort of neo-service or anything that can function as a lockable savings account that I can't withdraw from? Every now and then I get up to a grand or something, and then just derail psychologically and in fear of spending it all on food, spend it on anything at all. Hookers, games, jewellery, bills, something that puts it out of its fungibility to me.
Now I know that many will want to say "you seem like you should deal with the psychological side of things," and while undoubtedly true, it's something that takes a very long time to overcome and adapt to, and I have been trying to save since 16 years old. At 18 I never had money to do anything, 19, 20, 21, 22 etc etc, I'm now 30, and work a lot, pay all my bills, am not in any debt, have reasonable credit after some credit card impulse tomfoolery when I was 18, and still have no money to fix my car or something should I need it.
I make about 1500 bucks a week, and should be able to save nearly all of that, but try as I might I get hit with maybe 450 temptations a day to binge or buy something unnecessary and I don't have the time to wait and see how the mental health side of things pan out.
I need to know if there is any technology at all that can lock me out of my money except for some legitimate usage that I could prove or would have to provide a quote for or something. And I should just add, I know about fixed term deposits, my issue is that I need a lump sum usually to start with, like 5 grand or so to lock away, my problem is forever trying to get to even 1 grand.
Would buying shares of a low risk stock be one potential way of doing it, so that if I wanted to spend it I'd have to actually sell the shares and then wait for taxing etc? Oh and I also know nothing about money.
k thx, xoxo gossip girl
Submitted October 05, 2021 at 07:11AM by CalmWar3 https://ift.tt/3AglEoO
