I do struggle with impulsive buying as a result of BPD too. I've found several different things helpful. Sometimes its as simple as not taking my card out to the shops with me so you can only spend the cash you have. Or taking out the cash for the week at the start of the week and leaving the card at home in a drawer. I've also frozen cards in ice and destroyed one when I was out with it and started to get the MUST BUY EVERYTHING sort of thoughts. Or call someone who can talk to you or come and meet you when you start to think in that way. I find my urges tend to be fairly short lived so getting a coffee and a sit down can help.
Then theres ways to ring fence money for the important things like bills. I n the past I have had a separate account that all my bills go out from that I direct debit money into the day it goes into the other account. I did't have a card for the bills account either. So all access has to be in bank working hours which helps if you are an online spender/ don't like people like I do :P
Also I find not having a credit card and only a small overdraft help. Plus what about putting some of your money in an account in someone elses name for emergencies if you have impulsively bought things and have no food etc.
Hopefully I've made some sort of sense!
|