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Attitude adjustment fund: Jennlem's Personal Finance Blog
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Attitude adjustment fund

May 1st, 2007 at 08:57 pm

One strategy I am using to help me on the road to avoiding overspending is what I call an attitude adjustment fund. It works like an emergency fund but for the sole purpose of blowing the money on frivoulous items and/or fun things. I know how I am and I have to have retail therapy from time to time. By having this attutude adjustment fund I can still have my fun but not back slide farther into debt.
Does anyone else have a similar fund? One negative(positive?) thing about this fund is that the longer the money sits in the savings account the less inclined I am to want to spend the money--or rather I carefully consider what to spen the money on.

1 Responses to “Attitude adjustment fund”

  1. madhaus90 Says:

    I redeem the points we get from our debit card/checking account usage at National City for gift cards to miscellaneous places: our favorite chain restaurants, Barnes and Noble, and Macy's (my favorite upscale store) and I use those "on a whim" - I don't worry about it and just use the money on an unbudgeted meal on a Saturday afternoon with DH and kids, a magazine and coffee at Barnes and Noble, or perfume or whatever. I'd definitely miss this if I did away with it or if we changed banks. I call it "Whimsy" money - caught that phrase from a friend and it seemed logical.

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