I hate Spending Money

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    Now don't get me wrong, I will spend money when I need/have to. But on things people see as "nice" I can't help but feel that everything is a massive waste of money, especially when its mine, I worked hard for 2 years before uni while at college to get into the financial position I am in, and my significant other seems to think as I have it that I should spend it. When I spend or lend (even very small amounts) it irritates me and when I have lent money I can't help but constantly think about getting it back, I see it as I'd rather not spend it now but spend it later such as when I finish uni buy myself a very nice car, but my friends and girlfriend see this as a waste of time as I'm quite into my cars but to me, every penny counts and the more I spend now the less achievable my short term dream is. I feel awful, sometimes I feel like I'd even rather not do things with my friends and girlfriend as I can't help but see everything as an expense. Money consumes my life and I think it quite an unhealthy obsession but can't help it, should I see someone or just carry on? I don't know what makes it worse, is it me or the people around me just thinking I should be like them and spend spend away?
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    Don't let money dictate your happiness but at the same time you realise we live in a world where life is controlled by money. You can keep stockpiling but you will notice people in your life moving away, in the end you will have the money but no one to share the joy with. Obviously I'm not saying blow all your money but maybe set aside a small amount you can afford after taking away all your expenses and get out there and live while you can.
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    You sound very sensible. It's probably a sign of maturity compared to your peers.

    If you are happy without spending money then you are the richer person in more ways than one.
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    There's nothing wrong with being frugal, but don't take it too far. You need to live for now too. I'm guilty of having spent too little when younger, e.g. paying-off my first mortgage in 3 years (two of us, but even so ..), but not taking enough holidays.

    I'd set a budget that includes reasonable spending and saving. Remember to enjoy what you have (not just money) now.
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    lol you're not the only one, British people are stingy af nowadays. seems to physically pain most of them to have to spend even on necessities.

    yes its because of your perception of money, you know you need it to keep a roof over your head and food over the table therefore you don't see the appeal in spending on luxury items. if you were rich you wouldn't feel this. way. you're uptight with money but i'm not saying that to be rude, its the truth. happens to a lot of people sadly, you see it all the time on a daily basis. no other conversation makes a persons butt-hole pucker up than the conversation of spending money. try to relax. and learn to say no if you don't want to spend unnecessarily
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    Moved to Money and Finance
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    I think you should lighten up. More money can always be made whenever, in many different ways. Obsessing over it like you are is unhealthy.
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    (Original post by TomJ2297)
    Now don't get me wrong, I will spend money when I need/have to. But on things people see as "nice" I can't help but feel that everything is a massive waste of money, especially when its mine, I worked hard for 2 years before uni while at college to get into the financial position I am in, and my significant other seems to think as I have it that I should spend it. When I spend or lend (even very small amounts) it irritates me and when I have lent money I can't help but constantly think about getting it back, I see it as I'd rather not spend it now but spend it later such as when I finish uni buy myself a very nice car, but my friends and girlfriend see this as a waste of time as I'm quite into my cars but to me, every penny counts and the more I spend now the less achievable my short term dream is. I feel awful, sometimes I feel like I'd even rather not do things with my friends and girlfriend as I can't help but see everything as an expense. Money consumes my life and I think it quite an unhealthy obsession but can't help it, should I see someone or just carry on? I don't know what makes it worse, is it me or the people around me just thinking I should be like them and spend spend away?
    Im the same when it comes to money.
    Theres nothing wrong with being frugal with money, and you dont have to spend it all just because you have it. As long as you dont take it too far then thats fine.
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    I know JUST how you feel! It may stem from childhood, for example we had very little money (and still now tbh) when I was younger and some issues happened where we were left barely able to buy food. However my mum was clever with money and made sure my brothers and I always had a hot meal and clothes on our backs. Yes, it was unpleasant to see other kids whisked off to Disney land, or wearing the latest Clarks, but in a way, I'm glad it happened! I never waste any of the money I do get and always try to focus on the necessities! Don't worry OP, you're not alone!
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    (Original post by stu.dying)
    I know JUST how you feel! It may stem from childhood, for example we had very little money (and still now tbh) when I was younger and some issues happened where we were left barely able to buy food. However my mum was clever with money and made sure my brothers and I always had a hot meal and clothes on our backs. Yes, it was unpleasant to see other kids whisked off to Disney land, or wearing the latest Clarks, but in a way, I'm glad it happened! I never waste any of the money I do get and always try to focus on the necessities! Don't worry OP, you're not alone!
    I feel exactly the same way as you guys do, I hate to spend money!
    But I come from a different background. My parents are really wealthy, since my early childhood we have visited a ton of different places all over the world, we have travelled at least in business class and we're still driving really nice cars. However, one year ago I started to earn my own money and since the I can see the value of money. I know how long it took me to work for it in the grocery store. Before I buy something, I always think that it took me X hours at work.
    All in all, I don't know if it's positive or negative because sometimes I tend to stay at home because I don't want to spend my money.
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    (Original post by johannes1907)
    All in all, I don't know if it's positive or negative because sometimes I tend to stay at home because I don't want to spend my money.
    Obviously saving is a good thing, but I wouldn't do it to the extent where I'm not letting myself loose every once in a while because I want to save! Really, it's about managing for both necessities and luxuries. As long as you're not spending it all on going out, I really don't see the problem in occasionally indulging! I wish you the best!
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    Obviously the ability to save money is a good thing and it's a good idea to make sure you're covered in case of an emergency or if you have any long term goals such as buying a house, or a car, or moving abroad, but being sensible is one thing and simply accumulating money for the sake of it is another. People tend to be much happier if they spend their money on experiences instead of things. I'm not saying go on a big vacation and spend all your savings at once - just don't miss out on having fun with your friends just because you want to fatten up your bank account. In the end, even the nicest car won't make you happy if you finish uni without any new experiences to show for it.
    Not to mention, every economic crisis across the globe is made worse for the fact that people tend to save their money when they're going through it - so there's less money circulating, which leads to fewer jobs, which leads to less money circulating. By its very nature, money is meant to be spent.
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    I <3 spending money. So should you! Live a little! We are all going to die in the end anyway.
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    are you talking about saving up for a brand new car? That is the biggest waste of money you can buy due to resale values. I understand the interest in cars but I see no point in paying a lot of money on them. Admittedly I have been there spending £1,000s on upgrading bits but now I am happy with a cheap runaround that does the same job
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    I also hate spending money i always try to find promo codes on products etc
    Also i only buy stuff i 100% know i'd need
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    Accumulating money for the sake of it is stupid.

    I get it if you're on a low income, or you're saving for something big (nice car, house, school fees). Even just putting some money aside for a rainy day is sensible. But accumulating money for no rational reason is stupid.

    I presume you're fairly young - spend it on holidays (not just beach holidays, but adventure ones too), nice meals out, concerts, anything that's an experience. Especially things that you may not be able to do at an older age.

    It's fairly sensible to be frugal - not always buying top brands and stuff like that, but if you're going to spend - spend it on something that you will remember
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    I think your feelings are understandable OP.

    Earning money is hard work and saving it can give peace of mind and take the pressure off. It may be the difference between being able to quit a job you can't stand vs having to stick it out.

    As for a social life, true friends that enjoy each others company don't need to spend money to have a chilled night in or a nice day out.

    It's ok to enjoy not spending much
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    Spend your money however makes you happy. I can relate to the pleasure in saving. I don't think it is a good thing if you are so much of a tightwad that it prevents you enjoying a normal social life. If you keep rejecting invitations because you don't want to spend, eventually people will stop inviting you. I guess you will just need to find other people who don't like spending money to socialise with.
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    I feel a similar way OP. I love saving and budgeting but I've been asked to a meal next week. I want to say no as it's expensive but out of all my friends I am the only one earning a constant income, so I can't really tell them that. I guess I'll just have to decide...
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    (Original post by jamestg)
    Accumulating money for the sake of it is stupid.

    I get it if you're on a low income, or you're saving for something big (nice car, house, school fees). Even just putting some money aside for a rainy day is sensible. But accumulating money for no rational reason is stupid.

    I presume you're fairly young - spend it on holidays (not just beach holidays, but adventure ones too), nice meals out, concerts, anything that's an experience. Especially things that you may not be able to do at an older age.

    It's fairly sensible to be frugal - not always buying top brands and stuff like that, but if you're going to spend - spend it on something that you will remember
    I've got a fair chunk of savings, for..a house. I want a bit more, before I go ahead and buy one though tbh. I've always been fairly frugal. The other thing is, I just think "What's the point of buying yet more stuff" As time has gone on, I've got quite annoyed about my bedroom and the amount of rubbish there is in there. I don't need a lot of things. I'm quite happy with minimalism. Then you've got to consider things like you may not be in work for a long period of time, you may have some crippling illness, you may be forced to become a carer. WHen I was fired, I wasn't even eligible for state support, because I was fired (not that I cared for claiming any way) I had my own fairly large safety net. I didn't have to rely on any one else. Granted, the large safety net will become a very small safety net when I get a house, but still
 
 
 
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