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Hi :D, I'm a 16 year old female and I always feel buyer's remorse. When I return things, I feel anxiety because I know its bad to return too many times. I try to limit myself to buying. I am a very frugal person and I hardly spend money even when my parents give me money to spend. For an example, My dad would give me $200 but I would end up spending $10 instead and save up the rest. Is there something wrong with me? Why am I too frugal? Why do I have buyer's remorse? My family doesn't live in poverty and we're middle class. Is this something I was taught when I was young or Is it because I love or love to save up money too much? Thanks! Please share your experiences if you wish to. lol :) Any comments will be gladly read.
There is nothing wrong with you. In fact you are smart! Most teens spend all they have. Most adults spend more than they have. It is good that you save more than you spend. You'll be ahead of the financial game in the future when you want to buy a car or house. Try this: 1. Take 30% of everything you bring in and save it. Maybe put the money in bank CD's for every 3-6 months until you are 18. Then open a Roth IRA. might be able to do this now, check with your bank. Be sure to get a no fee Roth Ira when you do this. Fidelity and Vanguard have no fee accounts – see their requirements. must be 18 With a Roth, you can take the money (principle) out after keeping it in there for 5 years. The interest and gains stay in the account until you retire. I would only take money out to buy a first home, or medical emergency, maybe pay school loans, but nothing else. Try to invest each month to $2000 or more each in a Roth IRA from 18-30 (longer is better.) By the time your retired, you should have over $1 million using historical averaging in the S&P 500 Index. The best part is that will be full tax free at retirement because that is what a Roth Ira was designed for. Long term investment Ideas: S&P 500 Index dollar cost averaging Next: 2. Take 30% and buy whatever you want when you want it and you can feel good about it because you have allocated this money for spending. 3. Take maybe 5% and give to your church, charity or cause you may support. This will teach your brain that you have so much money that you can actually give some away. feel good about it that you are in the position to help others. It will come back to you 100 fold. 4. The rest of the money is for discretionary spending, for bills (if you have any) or your rainy day fund. I wish someone told me this when I was 16. Get ahead of the game now, you'll get a huge pay off later. You're doing great keep it up!
Nothing wrong with saving your money. It's an excellent habit to get into. The alternative of spending too much will ruin you financially. Why you buy things and then return them I don't understand. Sounds like you're buying things you don't need. Stop doing that and you'll probably stop returning items.
~~You respect the value of money. My daughter is like that. She has an amazing portfolio too, and can now travel and relax and enjoy herself. We did not set very good examples for her, this is just something she instilled in herself. I think sometimes she went overboard and deprived herself out of lots of things that could have made her life easier and nicer, but who has the huge savings account-it's not me! Maybe you can strike a happy medium, where you save a certain amount of what you get, but set a little crazy fund aside for yourself to just have fun and spend- however, no guilt allowed. Being too obsessive about anything isnt healthy, so allow yourself to have goals, and include yourself in that, when handling money. Being frugal is something most of us could use lots of lessons in :)~~
OK....YOU CAN NEVER BE TOO FRUGAL. THAT IS SOMETHING MOST PEOPLE HAVE TO LEARN THE HARD WAY. YOU ARE VERY LUCKY, IT IS JUST PART OF YOUR NATURE. VERY LUCKY. I THINK YOU HAVE BUYER'S REMORSE, BECAUSE YOU WANT SOMETHING AND YOU BUY IT, BUT THEN YOU THINK YOU DON'T DESERVE IT SO SHOULD TAKE IT BACK. SOMETIMES THAT MAY BE TRUE, BUT THINK A LITTLE MOREABOUT THE PURCHASE BEFOREHAND, MAYBE THAT WILL HELP.THE FACT THAT YOU ARE EVEN AWARE OF THIS SORT OF LIVING.....IS SO MATURE. USUALLY KIDS SPEND EVERY PENNY THEY HAVE AND DON'T THINK TWICE ABOUT IT. THEN, DON'T USE WHAT THEY BUY. THERE IS NOTHING Mulberry THE WORLD WRONG W/YOU, I WISH MY KIDS HAD YOUR ETHICS, AND MATURITY.
There is absolutely nothing wrong with you. You've got good values and that is awesome! Get yourself a savings account and feel good about saving for something you'll want in the future.