Budget Budge-it Budget

innerSpaceman · 08-27-2007, 08:50 PM

I don't know if this would work ... but for someone who has literally frozen his credit cards to restrict access, it just might.

Someone mentioned earlier (was it Dread Pirate Roberts?) that we all adapt to the level of income we have, and keep adjusting as that adjusts. Any increase in income is matched by a natural increase in expenses.

I used to live on giant bags of rice and huge bags of popcorn that I swiped from the movie theater I worked at. And at each progressive step of more income since then, my expenses have kept rising pace.

So ... what if Gemini Cricket freezes some of his money (not literally this time). Socks it away, diverts it before it even hits his bank account. I believe Alex suggested this earlier. Perhaps if you can fool yourself, and more importantly, fool the universe into believing you have less money than you do ... maybe you can live just fine on less money (if "less" is your new income), and use the diverted funds to pay down the debt you'd like to see paid off faster.

It's very tough to fool the universe about money. Just as it always sees that your expenses match any rising income ... the reverse is also true. Ever notice how any windfall is quickly taken away by, oh, a car repair suddenly necessary, or a health issue that didn't exist the day before the windfall? Oh, the universe knows ... and is not fooled too easily.

But it might be worth a try.

OR - - you can forget the live-in LOVER ... and go for the SUGAR DADDY!

Snowflake · 08-28-2007, 08:03 AM

Quote:

Originally Posted by innerSpaceman

So ... what if Gemini Cricket freezes some of his money (not literally this time). Socks it away, diverts it before it even hits his bank account. I believe Alex suggested this earlier. Perhaps if you can fool yourself, and more importantly, fool the universe into believing you have less money than you do ... maybe you can live just fine on less money (if "less" is your new income), and use the diverted funds to pay down the debt you'd like to see paid off faster.

I'm doing this now with the $$ that was diverted to VA for the car payment. Except, I am trying to save it. Like it's not really there. I really should burn the debit card for that account.

Kevy Baby · 08-28-2007, 10:32 AM

Quote:

Originally Posted by Snowflake

I'm doing this now with the $$ that was diverted to VA for the car payment. Except, I am trying to save it. Like it's not really there. I really should burn the debit card for that account.

Why did you divert funds to Virginia?

Snowflake · 08-28-2007, 10:47 AM

Quote:

Originally Posted by Kevy Baby

Why did you divert funds to Virginia?

My bank account in VA, I kept direct depositing so the car payment would be auto-debited. The car payment is done, I don't see the money, I don't spend it. Or that's the plan, anyway.

08-27-2007, 08:50 PM	#1
innerSpaceman Kink of Swank Join Date: Jan 2005 Location: Inner Space Posts: 13,075	I don't know if this would work ... but for someone who has literally frozen his credit cards to restrict access, it just might. Someone mentioned earlier (was it Dread Pirate Roberts?) that we all adapt to the level of income we have, and keep adjusting as that adjusts. Any increase in income is matched by a natural increase in expenses. I used to live on giant bags of rice and huge bags of popcorn that I swiped from the movie theater I worked at. And at each progressive step of more income since then, my expenses have kept rising pace. So ... what if Gemini Cricket freezes some of his money (not literally this time). Socks it away, diverts it before it even hits his bank account. I believe Alex suggested this earlier. Perhaps if you can fool yourself, and more importantly, fool the universe into believing you have less money than you do ... maybe you can live just fine on less money (if "less" is your new income), and use the diverted funds to pay down the debt you'd like to see paid off faster. It's very tough to fool the universe about money. Just as it always sees that your expenses match any rising income ... the reverse is also true. Ever notice how any windfall is quickly taken away by, oh, a car repair suddenly necessary, or a health issue that didn't exist the day before the windfall? Oh, the universe knows ... and is not fooled too easily. But it might be worth a try. OR - - you can forget the live-in LOVER ... and go for the SUGAR DADDY!
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