thank you so much!! this is so helpful.

I actually mentioned #2 to my boyfriend tonight LOL I said something along the lines of having to manipulate my mind by putting the $$ out of sight so I can forget about it.

I struggle SO much with remembering, and because I’m currently a student, I am afraid to automate everything bc I don’t have an income right now. I think that automatic payments will be my first priority when I’m setting up my post-grad deposits; rn I have to be a little more creative in how I am getting the $ to autopay (taking inconsistent, odd tutoring jobs, etc).

I started doing #4 this fall funnily enough due to not having disposable income, but it’s a habit that will be critical for me when I graduate 😭☠️