I rarely spend money on myself.
For me, splurging is buying a drink at Starbucks and that has become very rare these days.
I already barely spent money on myself and I got even worse about it when I quit working. I don’t make money. so I don’t spend money.
I generally will spend money on myself only if it is something I need.
The problem – I don’t see most things as needs.
I have been working at the barn in an old pair of tennis shoes that are now falling apart. I had a pair of waterproof work boots in my cart at Walmart for weeks and never completed the order because I didn’t “need” them. I have them now because my wife completed the order and they arrived yesterday.
My only black suit is very old. I should buy a new one, but do I really “need” a new one if I rarely wear a suit?
My one pair of “good” jeans are old and raggedy but do I really “need” better jeans?
It’s always just easier for me to put anything I might want or need on my Christmas list instead of justifying to myself that I should spend the money.
I think it probably stems from growing up poor. When you grow up with no money you learn to make do with what you have.