That feeling of exhaustion after you have been frugal for so long. The sense of dread when you have denied yourself for months at a time while focused on a bigger goal, whether that be debt freedom or just making ends meet. This is frugal fatigue and it’s a real thing.
Planning out where your money will go, also known as a zero-based budget, is a key to peace of mind. Knowing that all bills have been paid and a debt payoff plan has been put into action will ease financial indecisions’ stressors.
Sometimes it’s exhausting saying no all the time. “Can’t afford it,” “I don’t have the money,” or “It’s not in the budget” over and over will suck the motivation out of you super fast.
Dave Ramsey talks about not going on vacation or not going out to eat until you have all debt paid off… I. Disagree.