Spending money we haven't received yet is no way to live![]()
Not sure why, but I'm just not wired like that.
I don't make plans for what to do with tax-return funds & things like that.
When I don't have money, I don't spend, & of course the vice-versa. When I have satisfied my requirements for rainy-day money, then I'll spend.
Speaking from a point of view and having been on both sides of that fence: buying with money that has not arrived yet, will eventually cause pain in your life. I am digging out of that now.
I used to own my own little 25 person company. We bonused monthly based upon the project performance. The techs had the opportunity to leave a portion in a Bonus Bank (with interest) to help on months without any bonuses. Those that always took it all, felt bad when there were no bonuses. Those that banked 1/2 had some to fall back on if needed. One guy used to bank 100% of the bonuses five years later he and his wife retired to a cabin on a lake. He thanked me for the concept and implementation as if he had taken the money he felt it would not have gotten to the savings.

