this post was submitted on 21 Nov 2023
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why do i constantly oscillate between having an a) intense work ethic where i consistently work hard and manage money wisely or b) pure gluttony and hedonism where i spend freely and accumulate debt (lemmy.world)
submitted 10 months ago by _number8_@lemmy.world to c/personalfinance@lemmy.ml
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when i do A for long enough and my overall net worth comes close enough to zero, i switch to B and am only sometimes capable of wrangling it in

it seems impossible to actually have a balance - those two philosophies make the most sense (trying hard vs nothing matters)

whyyyy. furthermore, are there any good ways to manage this that aren’t sort of self-flagellating or overly concerned with minutia (ie like the YNAB thing). no cult stuff pls

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[–] yenahmik@lemmy.world 13 points 10 months ago

Are you budgeting and allowing for fun when you're in the A phase? If not, or if you are but not at a reasonable level, it might be caused by a reaction to extreme limitations on yourself.