My Spending Habits

In recent years, I've developed several habits that, looking back, weren't the wisest when it came to managing my finances. One of my recurring tendencies was making impulsive purchases. I'd often find myself buying clothes or gadgets on a whim, just because they caught my eye. These seemingly small expenses added up over time, without me truly realizing the impact.

I never really had a solid budget plan. I had a general sense of how much I needed monthly for my living expenses, but I never detailed where every euro was going each month. This lack of oversight led to a gradual loss of control over my finances.

Another aspect I rarely questioned were my fixed costs. For instance, I've had a gym membership for years that I hardly ever used. It always seemed like a good idea, but in reality, I might have gone once or twice a month. These regular monthly expenses quietly accumulated over time.

I was also missing long-term financial goals. Living in the moment was my mantra, rarely thinking about the future. While I knew setting aside savings was important, I never truly acted on it. I didn't have an emergency fund to fall back on during unexpected times.

Reward purchases were another pitfall for me. After a tiring week, I'd often treat myself to something special, like an expensive dinner or a new piece of clothing. It always felt good to indulge, but in the long run, these treats only made my financial situation worse.

Finally, I held onto various subscriptions that I barely utilized. Magazine subscriptions, streaming services, and other monthly memberships continued without regular use or review. These unnecessary expenses quietly drained my budget further.

All these behaviors combined meant that I struggled to save money effectively, leading me to the challenging financial predicament I face now.