I’m Saving Money, but I’m Miserable: How To Ditch a Penny-Pincher Mindset (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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e)&&("SpeechGrammarList"in e||"webkitSpeechGrammarList"in e)}}],d=0;d0){var n=e.speechResult.charAt(e.speechResult.length-1);"."!==n&&"?"!==n&&"。"!==n&&"?"!==n||(e.speechResult=e.speechResult.slice(0,-1))}},o.prototype.sendBeacon=function(n,t){var o=e.YAHOO.ULT||{},i=e.YAHOO.SB||{};if(o.beacon_click){var r={_S:i.config.i13n.spaceid,_I:i.config.i13n.pvid,actn:n,sec:"search",slk:t};e.YAHOO.ULT.beacon_click(r)}},o.prototype.ajaxReq=function(t,o){var i,r,a=XMLHttpRequest.DONE||4,s=new XMLHttpRequest;if(n.documentMode&&n.documentMode<10)return(new e.XDomainRequest).onload=function(){try{r=JSON.parse(i),o(r)}catch(e){return}},s.open("GET",t),void s.send();s.onreadystatechange=function(){if(s.readyState===a)if(200===s.status){i=s.responseText;try{r=JSON.parse(i),o(r)}catch(e){return}}else o(r)},s.open("GET",t,!0),s.timeout=1e4,s.send()},e.YAHOO||(e.YAHOO={}),e.YAHOO.Util||(e.YAHOO.Util={}),e.YAHOO.Util.VoiceSearch=o}(window,document)}();var Wn={containerClass:Un.tooltip,textClass:Un.tooltip__text,showClass:Un["tooltip--show"]},Jn=["zh-hant-tw","zh-hant-hk"];ye("ybar-mod-searchbox",(function(e){var n={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Un["sa-btn-bar"])),voiceSearchBtn:document.getElementById("ybar-sbq-voice"),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Un["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Un["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Un["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x")};!function(e,n){var t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),zn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    I’m Saving Money, but I’m Miserable: How To Ditch a Penny-Pincher Mindset (2024)

    FAQs

    I’m Saving Money, but I’m Miserable: How To Ditch a Penny-Pincher Mindset? ›

    Make a list of the things that are really important to you, such as a particular hobby or interest, spending time with family, or traveling the world. Once you begin to be more mindful of what really adds value to your life, you can redirect your spending to those things.

    How do I stop obsessing over saving money? ›

    How to stop worrying about money and start living
    1. Get grounded: Practice relaxing breathing exercises and meditation. ...
    2. Create financial goals: Set clear, achievable objectives. ...
    3. Make a budget: Track finances and control spending. ...
    4. Schedule money check-ins: Regularly review your financial situation.
    Mar 12, 2024

    How do I change my mindset to stop spending money? ›

    How to Stop Spending Money
    1. Know what you're spending money on. ...
    2. Make your budget work for you. ...
    3. Shop with a goal in mind. ...
    4. Stop spending money at restaurants. ...
    5. Resist sales. ...
    6. Swear off debt. ...
    7. Delay gratification. ...
    8. Challenge yourself to reach your new goals.
    May 31, 2024

    How do I stop being bad with money? ›

    Here are some ideas to help you stop spending money and build healthier financial habits:
    1. Create a Budget. ...
    2. Visualize What You're Saving For.
    3. Always Shop with a List. ...
    4. Nix the Brand Names. ...
    5. Master Meal Prep.
    6. Consider Cash for In-store Shopping. ...
    7. Remove Temptation.
    8. Hit “Pause"
    Jul 10, 2024

    Is penny pinching bad? ›

    It sounds like good advice, but it's not. An obsession with quick savings hacks can give you the illusion that you're being financially responsible by constantly chasing nifty ways to shave a few dollars off your expenses. This can fuel spending anxiety and perfectionism.

    What is money dysmorphia? ›

    Money dysmorphia is a negative but unrealistic assessment of your personal finance position. Symptoms of money dysmorphia include obsessive earning, money hoarding and negative shopping habits. Younger people are most at risk of money dysmorphia, but traumatic events can also trigger it.

    What is the 50 30 20 rule? ›

    The 50-30-20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do. The remaining half should dedicate 20% to savings, leaving 30% to be spent on things you want but don't necessarily need.

    How do I break the habit of spending money? ›

    How to Stop Spending: 7 Strategies to Try
    1. Discover your “why” Curbing your spending means saying no to purchases from time to time. ...
    2. Review your spending habits. ...
    3. Redirect your behavior. ...
    4. Build a budget. ...
    5. Pay with debit or cash. ...
    6. Make the most of your mobile banking app. ...
    7. Try a no-buy.

    How do I stop feeling bad for spending money? ›

    How do I get over my guilt of overspending? First, figure out what kind of spending makes you feel guilty and why. Perhaps it's based on childhood or past experiences. Then, consider creating a budget and planning purchases to avoid buyer's remorse or impulse spending.

    How to fix your money mindset? ›

    Six Steps to Creating a Positive Money Mindset
    1. Forgive Your Past Financial Mistakes. No one is perfect. ...
    2. Understand Your Thoughts and Emotions Surrounding Money. ...
    3. Realize That Comparing Yourself to Others is a Losing Game. ...
    4. Work on Forming Good Habits. ...
    5. Create a Budget That Brings You Joy. ...
    6. Remember to be Thankful.

    How can I save money and not be miserable? ›

    I'm Saving Money, but I'm Miserable: How To Ditch a Penny-Pincher Mindset. Make your coffee and cook your meals at home. Always buy generics and store brands. Instead of going to concerts, sit alone in your living room and listen to music — but never through a streaming service with a paid subscription.

    How do I stop struggling financially? ›

    How We Make Money
    1. Prioritize what you can control on discretionary spending.
    2. Find ways to earn more money.
    3. Pay essential bills.
    4. Save money during trying times.
    5. Track your money-saving progress.
    6. Talk to your lenders.
    7. Consult with an expert financial advisor.
    May 21, 2024

    How to unlearn bad money habits? ›

    How to Break the Bad Money Habit
    1. Open a separate account for your new emergency fund. ...
    2. Set a goal for how much to save in your emergency fund. ...
    3. Determine how, and how much, you'll contribute. ...
    4. Leave the account alone unless or until you're facing a true financial emergency.
    Mar 29, 2024

    What is a penny pincher personality? ›

    A penny pincher is seen as someone who is super frugal. Penny pinchers have a scarcity mindset, and therefore they don't like to spend their money or give it away.

    What makes someone a penny pincher? ›

    A penny pincher is a person who's very careful or stingy with their money—they don't like to spend it and they don't like to give it away.

    Is an upside down penny bad luck? ›

    Pennies being made from metal, find them and you'll have good fortune. But, be careful: some say the luck could break either way, and that if you find a penny tails up, you should turn it over and leave it for the next person or you'll actually have bad luck.

    How do I stop worrying about saving money? ›

    Automate Your Savings

    Don't just save when you think about it. Automate your savings so you don't have to think about it. Set up an automatic savings plan to place the same amount of money into your savings account on a regular basis, whether it's once a week, once every two weeks, once a month, etc.

    Why are people so obsessed with saving money? ›

    There are many causes to a person developing this belief system. One of the most prominent ones is growing up with scarcity, leading individuals to think that there is not enough money for them and that they need to save as much as possible to be financially secure.

    Is there an addiction to saving money? ›

    Money can be the cause of upset and success however for some money can become a huge problem and can even become an addiction. Be it an addiction to saving money relentlessly or spending your money in uncontrollable ways. Saving money is a great thing and many of us are unable to save money.

    Is frugality a mental illness? ›

    Fear of spending money or excessive frugality is sometimes known as Chrometophobia, a Specific Phobia related to money. Fears about spending money may also be involved in obsessive-compulsive disorder (OCD).

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