That lesson has been kicking my ass for a long time so don't feel so bad. I force myself to save by putting things in accounts I can't touch for 6 months.
Ain’t that the truth! Ion even like the Joneses to be tryna keep up with them. And I hate a payment plan, if I can’t pay it all at once ion want it. I did that with my car, phone, small luxuries. It frees up so much of the mental load of finances when the expenses are low
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Another thing I had to learn was to pay more upfront for important things like mattresses, couches, maintenance on your car, etc...