So I've had a spending problem for a few months.
Nothing big. I was still saving for retirement, the emergency fund, college education, yada yada yada. The problem was my personal savings.
After all those other savings, I've got a little left for myself. It's usually for direct stock investment, mini-mergencies, and the like. Ultimately, it's going to be my seed money for a potential business.
The problem started at Christmas. I normally, and on purpose, spend a lot on gifts plus occassional treats - both for myself and others.
I was able to still save half my 13th-month pay, but noticed I was spending what was supposed to be my personal savings. It didn't bother me during the holidays, but then it spilled over into January... then February... and even up to mid-March.
For some reason, my saving habit was backsliding. Anything I didn't pay myself first was getting spent. After years of not having that problem, I was very curious - and more than a little anxious - as to why that was the case.
So I did some research and found some interesting things.
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