Anyone Else Have Money Issues Like Me?

I have a spreadsheet and still manage to overspend and forget to pay things. I buy stuff that I don’t need or even use sometimes when I get it. It’s shameful. But it truly is a compulsive habit. Right now to help curb that I now text my husband every single thing that I am buying. If I go to the grocery store and something, not grocery like sneaks into my basket, I tell him. I tell him when I spend on apps. I’m spending a lot less because I have to actually tell someone everything that I’m spending on. And I realize how embarrassing it is. Or I realize I’m about to buy something that I have no use for.my husband is never said no to anything but the thought of him being disappointed. I’ve really been able to control it. But this is only Ben a week and a half so I can’t say how successful this will be in the long term anyway making myself very accountable in that manner is helping.

I have my own spreadsheet. It evolves constantly. I list all my bills for the month and then calculate how much I need in my 'bills' account each week then put some in savings that I can't withdraw, put $100 a week aside for utilities bills in another account and the rest goes in the 'spending' account

Yep! Same here! Dont have and tips though. My partner is really understanding and helpful in this matter.

Yup, same here.

YES. I currently use SNOOP which makes budgeting sooo much more of a friendly almost fun task. Also gives you LOTS of practical advice on finances. And warning when you are spending. Though I still have work to do. I’m thinking next step is to essentially lock away my money coming in each month and give myself weekly pocket money 😂😂😂😭😭😭😭😭

I like YNAB but bc it’s manual i tried Copilot!!! It’s a bit expensive but its automated and adjusts based on your spending. It is a nice UI!

Yes. I've had moments of fiscal responsibility over my undiagnosed life. Simple was the only banking platform that helped me effectively and almost painlessly understand and manage my money. Sigh. Then they closed and shuttled us to BBVA then PNC, and life wasn't the same. The current reincarnation of YNAB is simple but even better, at least for me. It's not scary, especially as you can be as incorrect as hell for the first month’s budget, and then base your next month off of your actual income and expenses, changing those things that might be a smidge unhealthy (does anyone else have ridiculously high charges for in-app purchases? Anyone? Jeez.) Knowing that I was spending way too f@cking much on games wasn't enough to make me change my behavior. Seeing what categories it was taking away from did. If my husband of 21 years wasn't so very neurotypical and financially savvy, my future retirement would be almost nonexistent except for my 401k. I'd be living like my mother in a one-bedroom apartment without savings, relying on my daughter and son-in-law to help me make ends meet. I remind myself that it's never too late to get a handle on things that have proved elusive for most of my life. And I pray to the universe and God that I keep finding ways to make my life and my environment easier and more pleasurable for ME. Love to all of you 🥰

I'm currently working on putting together a budget. I am not currently succeeding...🤦‍♀️

Ugh 😣 yes. It’s taken me years to get it even kind of under control. But my original tactic was to just push to make more money, can’t say that hurt me. But if I could go back and put all that in savings or investments 😣 I had to gamify my credit score and savings balance to make any kind of progress. Still a long way to go.