End Financial Stress Now by Emily Guy Birken

Author:Emily Guy Birken
Language: eng
Format: epub
Publisher: Adams Media

COMBATTING MONEY VIGILANCE SCRIPTS

Underspending is a problem for the money vigilant, not just because it leads to living in a level of discomfort that is unnecessary, but also because it can waste a great deal of money. If you tend to underspend on yourself, precommitting to necessary spending can help you combat your reluctance to spend:

1. Sign up for a healthcare flexible spending account. These accounts allow you to set aside pretax dollars from your paycheck to use for medical expenses. Since these types of accounts are use-it-or-lose-it plans, enrolling in such an account will give you the motivation you need to actually go to the doctor when you need healthcare, because you would otherwise be wasting the money.

2. Buy nonrefundable gift cards for purchases for yourself. Similar to the flexible spending account idea, precommitting to a purchase for yourself by buying a gift card will force you to make the needed purchase when your money vigilance script is pushing you not to. In addition, you can often find nonrefundable gift cards at a discount at online gift card exchanges such as Gift Card Granny ( www.giftcardgranny.com ) and Cardpool ( www.cardpool.com ), which will satisfy other aspects of your money vigilant personality.

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