
‘What’s a ‘normal’ money habit that secretly ruins people financially?’ – 21 ways you’re inadvertently putting yourself in the red
13.
‘Storage lockers. I know it doesn’t necessarily ‘ruin’ people. But it’s just throwing money away, IMO. I realise it’s helpful for a few months while in the process of moving or whatever. But long term? If you don’t need or use the stuff you have stored away, why do you hold onto it?’
–Serenity_Now8386
14.
‘Yesterday for my lunch I bought a sandwich from M&S for £4.50. Today I bought four bread buns and a tub of sandwich filler from Lidl for £2.24. It’s 7x cheaper to make my own lunch.’
–Ken-_-Adams
15.
‘I don’t know about ruined but I couldn’t sleep well if I had a perpetual car payment. There are so many people I know make less money than me driving cars that cost a years income. I prefer to have actual money in the bank rather than payments out my ass.’
–Other_Ad_613
16.
‘Becoming so frugal that you forget to live your life. WORRY also is a ruiner!’
–One-Ad6386
17.
‘Having a mental image of what they ‘deserve’ and spending according to that, instead of according to what they can actually afford. It’s irresponsible and frankly pretty egotistical – why do YOU deserve a nice car but not those other people? They’re trash and you’re not, because reasons?’
–DrDerpberg
18.
‘Credit cards. The normalisation that everyone needs a credit card and a credit score… pay beyond your means, it’s fine.’
–theotherjenn
19.
‘Honestly the thing thats helped me the most is tracking my every expenditure. It’s tedious but you need to make an excel spreadsheet with categories (ex: food) and subcategories (ex: drinks, take out, restaurant, grocery) and legit track where your money is going.
‘Also important to add any investments and paychecks into this too. Over time you’ll see it start to balance and it’s very satisfying. But most importantly, it’ll help you see where you’re just being ridiculous and can easily cut down.’
–Level3pipe
20.
‘Shopping by the price on the tag instead of price per ounce/gallon/count.’
–tc6x6
21.
‘Small, frequent impulse purchases that feel like no big deal – they add up to A LOT.’
–ZachZeitgeist
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