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Rocket your D&D 5E and Level Up: Advanced 5E games into space! Alpha Star Magazine Is Launching... Right Now!

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Message: <blockquote data-quote="bekkilyn_rpg" data-source="post: 1094785" data-attributes="member: 13873">One of the first things to do is to decide how much you want to save each time a paycheck comes into the house and put that amount minimum into the bank (a savings type account which checks and debit cards cannot touch) and *do not touch it* once it's in there. This money is your cushion for things like losing a job or some other emergency situation, or even a house downpayment. Saving money should be a habit every paycheck. Next, get into the frame of mind that you will always spend less than you make, and that's after taxes, bills and the like are accounted for. Pay your bills first thing and pay off any credit cards fully each month as credit card interest adds up *majorly*, a lot, lot more than many people think. Do not get into debt in the first place (and if you are in debt already, then get out of it asap). Being in debt for anything short of something like a mortgage or a school loan is not good. It's much much worse than having to wait an extra month or so for a book or a DVD.For things like books and such, give yourself a reasonable allowance each paycheck and once that allowance money is gone, then it's gone. Choose your monthly purchases carefully.Get your wife involved in doing these things as well as it will be much much easier if you are both working together.And yes, you still might need to get some more professional help if this situation has indeed become something like an addiction and you feel too much out of control about it.</blockquote>

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