I like TG’s plan, I used it alot in college and it helped alot. The problem is it wont work for everyone. Roommate came home with a purchase for the back yard yesterday. I have no idea why, we are really rarely home anyways. But as he said, “I just couldnt help myself.”
Spending money sometimes is used to fill other holes in peoples lives. You can’t cure alcholism without treating the underlying causes that drive people to drink, and you cant solve bad financial planning without treating those causes either. My point is to be careful that you dont get dragged into helping solve marriage or emotional problems that are the underlying reason for overspending.