Re: Encouraging others to spend
I agree that you should treat yourself once in a while if you did a really good job on something, but the treat should not be expencive. It can be something for $2 or $5, but no more than that. If you think you won't enjoy anything that costs only that much, get yourself a "treat" account and save $5 or so at the time, once you get enough, get the expencive treat you want, but only from that account's money.
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