i think frugality is a state of mind and a habit one has to form using the right "thought" words.... like if you go around thinking all the time "this sucks, i deserve that new whatsit, blah blah" frugality is going to always be terrible. but if you fill your mind with positive frugality -- "i love my couch..why would i need another one????" or "i appreciate what i have and im very fortunate!" or "im so proud that we can afford to pay cash for this big thingy because i didnt waste money on piddly objects"... etc.
its taken me over two years to transform from a heavily debted shopaholic with no savings (and no clue how to save) to someone who abhors interest, doesn't use credit cards, and has two almost completely paid off brand new cars. i still get tempted by wants and desires but NOW my inner frugal voice is more prominent in my thoughts than my spending voice. i no longer get exileration over shopping and im able to override my wants and desires - and bam, once im out of the store, i feel lighter and proud that i overcame a buying desire i once was unable to stop. and all in all i am now truly truly happy and appreciative for the items i do own.
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