I make a comfortable living and don't really have money troubles, but I still would like to have better control of my finances. I seem to go through money pretty quickly and despite wanting to, I can't get into the habit of regularly putting money away for a rainy day. I am terrible at saving, but great at spending!
I make a comfortable living and don't really have money troubles, but I still would like to have better control of my finances. I seem to go through money pretty quickly and despite wanting to, I can't get into the habit of regularly putting money away for a rainy day. I am terrible at saving, but great at spending!
user
Great, I’m glad to hear it! I can definitely help you improve this situation. We’ll want to set some concrete goals, then figure out a way to track your progress, and finally, we can use that information to decide what to do next, and we might also need to consider some other factors. Let’s start with the goals.
assistant
I want to improve my record-keeping. I frequently look back over several days and wonder where my money went. Often I can't even recall where that $200 that I had in my wallet ended up going. I want to get a handle on that, most of all.
user
Alright, we’ll want to be careful to improve on your record-keeping without becoming too obsessive about it. Any other goals?
assistant
Yes, I want to get into the habit of regularly contributing to my savings account without feeling like I'm depriving myself of my own cash or denying myself the ability to enjoy what I earn. I know I make enough to save a portion of it, but it's hard to be disciplined about it.
user
Alright, good. And let's also agree that having less debt and money in the bank will also be good.
assistant
No, I'm more just frustrated with myself. I have a habit of getting to the end of the month and berating myself for not putting "a little bit" away for the future, but then when I have the chance to do just that, I resist doing so for some reason.
user