The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:
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Requests for advice and / or encouragement. On basically any topic and for any scale of problem.
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Updates to let us know how you are doing. This provides valuable feedback on past advice / encouragement and will hopefully make people feel a little more motivated to follow through. If you want to be reminded to post your update, see the post titled 'update reminders', below.
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Advice. This can be in response to a request for advice or just something that you think could be generally useful for many people here.
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Encouragement. Probably best directed at specific users, but if you feel like just encouraging people in general I don't think anyone is going to object. I don't think I really need to say this, but just to be clear; encouragement should have a generally positive tone and not shame people (if people feel that shame might be an effective tool for motivating people, please discuss this so we can form a group consensus on how to use it rather than just trying it).
Jump in the discussion.
No email address required.
Notes -
I used to have the same problem myself - I found it very hard to limit my spending to an appropriate amount when I was a student. What worked for me was having a literal pot of money on my desk. Every day, X amount went into the pot from the budget. I could spend whatever was in the pot but I couldn't spend anything else (literally, without going and getting some cash from the bank).
I think you can still set this up cashless. Make a little bank account (one each) with an attached debit card. This is your day-to-day spending and hobbies pot. When money comes in every month, all except 1000 gets automatically sent to a saving account with no attached card. So you can literally only spend what's in the pot. And you don't have to worry about sharing bank accounts this way, so no need for issues around being controlled.
On a different note, it's clear you have different intuitions and preferences so I recommend sitting down and discussing what you actually want to use this money for, in the long run. Early retirement? University fees? Cushion against misfortune? Having a more explicit long-term financial plan might help you both get on the same page.
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