I feel guilty every time I splurge. I am trying to maintain a % of my income as savings so that I can spend the remaining guilt-free but can’t figure what this should be. Don’t get me wrong, I do splurge quite a bit, but just feel really guilty making the satisfaction from the spending much lower. How do you deal with similar thoughts?

like
Posting as :
works at
You are currently posting as works at

I used to feel this way a lot, and then in the last year I had two really big losses, my fathers death and a divorce. It showed me how fragile life is, despite all of our saving and planning for the future. And through therapy I learned to be kinder to myself. Maybe don’t worry so much, spend on what makes you happy (within reason), and enjoy your life. Tomorrow isn’t guaranteed.

likehelpful

I’m sorry for your losses! And thank you for sharing this perspective :)

like

Me too I always feel bad spending on clothes and such. I just talk to my friends who buy a ton of clothes and they make me feel better 😂

likefunny

If you save 20%, you're doing a lot better than most people. If you want to be really conservative, make it 25%, and then enjoy the rest. Similar to D1, I've had four deaths in my family the last couple years, and it has made me more willing to spend on things that let me and my husband enjoy life now instead of just saving and talking about what we'll do later.

like

-Minimum 3 months emergency savings.
-All credit card bills and debt paid off (unless you own a home)
-20% of income saved every paycheck
- some people would even say 6-12 months of emergency savings

like

Hi Dave Ramsey

funny

20%!

like

Related Posts

Thinking of applying to GT FDD. Anyone know what the s1 salary in HCOL is?

like

Hey fishes, I am looking for referral in IBM . I have 8.5 yrs of experience in Java, Spring, Rest web services, Microservices and SQL server.

like

Partners, those of you that have successfully switched employment to another consulting firm as a partner, how did you navigate your non-competes?

helpful

If biglaw makes so much money, why dont most partners retire at like 50?

like

Best Friday lunch spots in river north or Fulton market?

like

Hi Fishes,

I am currently working as an Analyst in HCL Technologies BSERV which is considered as a BPO. I received a promotion to a new job post Sr. Associate-WPC. Is this new position also a part of BPO or does it come under IT or Technical Department? Also currently there is no hike being provided even though the band has changed from 0.3 to 1.1, can I expect a hike once the yearly cycle is completed?

like

Good morning, this is a great group to be apart of.Hope everyone has great day. I started off with listening to some really inspirational podcasts and meditation. What are some things you all do to get moving in the morning?

like

When you travel in what states do you find consumer-friendly tobacco taxes?

What does L.O.B: ERS-SIE refer to in HCL?
Also during interview my recruiter said like my location will be in Chennai (Sholinganallur) but in Joining Documents Facility is stated as Client Location. Will it be so for everyone or should I get it changed?

like

What resources do you follow to stay up to date with the latest trends in data analysis and marketing? Are there any influencers in this space?

like

How is C&M in deloitte? How is the work ,bench period, hikes,any layoffs in past in c&m .One of my friend will soon be joining!

like

I’m thinking of picking up a few freelance projects to make the most out of our everlasting WFH situation. Does anyone have a freelance site they like and would recommend? There’s so many at this point, curious as to what everyone else is using and what kinds of projects you’ve been able to find.

like

If recession comes (Just a scenario), Will PwC AC fire employees ?

In a normal year, Does PwC AC fire people generally based on performance?

like

McKinsey & Company Bain & Company Looking for a referral to MBB for entry level positions. I will be graduating in May 2023. Currently an M&A Consulting Intern. I’d really appreciate it if someone could help out. Bain & Company Boston Consulting Group McKinsey & Company

like

If your H1B is expiring in April 2019, what’s the latest that you should have filed for an extension? Planning to travel in Dec and file it once I’m back in Jan. Is it fine or is it risky?

What’s the comp (base + bonus) for post MBA roles at Mbb in Toronto?

like

SO has sharp pain from the slightest arousal, anything more than holding hands has progressively gone off the table. Any attempts of passing that threshold usually lead to pain that causes stopping, and some frustration from both sides. She tried physical therapy but it didn’t seem to help.

How do we handle this? Going on almost 2 years of this getting slowly and progressively worse, and feels like it’s starting to cause some strain.

like

Job offer extended but now some red flags… I was extended an offer today with a pay raise and great benefits. It’s in a field that interests me more but, now some red flags have come up. They voided my offer after asking for time off way in advance in December of this year & the pay that was discussed on the phone is different from my offer letter. I asked the recruiter to clarify and she said I must’ve not heard her correctly on the phone. I’m not having second thoughts… I was excited.

like

the calm before the storm

Post Photo
likefunny

Additional Posts in Consulting

How do I get a free NYT subscription?

Few things better than a Friday when you can just roll out of bed and walk two steps to the hotel desk to work, while I wait for room service bacon and waffles!

like

Second time interviewing with Google. Anyone have tips that helped them be successful for the interviews?

like

Are the six sigma certs actually worth it to do?

like

What are your top book recommendations? I’m genre neutral.

like

Currently a C at Deloitte (3.5 years since graduated UG) in my promotion year to SC. Being reached out to for project manager role at slalom. Would this be a good step up? Or stay put?

like

Travel dinners: lobster appetizer,filet mignon, Parmesan roasted broccoli, honey seared carrots, and Pinot noir with some IPA's after for good measure. Dinner when home: hot pocket and campbell's soup

like

Need to lose weight fast. Motivation is lacking. I realize I need to eat way better. Pro tips? Side note - I'm a vegetarian so all meat diet is out. I can low carb but find myself struggling post 5pm

like

Maybe I’m out of the loop…but how are all these consultants on here making low to mid six figures with 3 years industry experience? Perhaps I’m just in the wrong industries but that seems too short a time to be advising others in a field. Are these just internet exaggerations? Or is there something big I’m missing?

likefunnyuplifting

May be a stupid question..but how well does the internet work if you buy it on the plane? Flying AA

like

What kind of sign on bonuses does PwC give in their Workforce Transformation practice? Looking at manager level roles.

like

Has any of you had any luck joining another firm as a partner while not being one at your current firm?

like

Dumb question, does a student who already graduated from Grad/Ph.D. program count as experienced hires?

like

Forgot to turn on cabin pressure....

Post Photo
likefunny

A partner in my practice only wants to mentor and sponsor women who do not want to have children. She is pretty transparent about it after 20+ yrs in this business. I am sure she is not the only one.

like

What common traits have you identified in your fellow consultants?

like

If your entire team went on strike and stopped showing up/doing work to get higher pay, better "conditions", etc. what would happen to you? Get fired? The firm acquiesces and fulfills your demands?

like

I have a BA in business communication is consulting for me?

like

Best protein powder?

like

Feeling really burnt out, on H1B. Can't just take a break from work, also no utilization in this environment is detrimental. What can I do?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal