Money saving mindset - Finding it difficult to spend

Eco_Miser

clairec666 said:

I'm similar to the OP - I'm quite generous when buying things for other people, and like to buy from high-quality independent retailers, yet am a cheapskate when it comes to things for myself. I am trying to break away from this habit and be a bit kinder to myself, but I still intend to live within my means and won't dig into my savings even though I can afford to after years of being thrifty.

Savings are to be dug into, I do it nearly every month: money goes into savings when it is received, money comes out of savings when it needs to be spent. In between it's earning the best rate compatible with my way of working.