Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.When the COVID-19 pandemic hit, I knew I had to come up with a formal savings plan that would help me offer financial support to others without going broke.
I only allow myself to deposit money into that account each month after I've paid off my credit cards, filled up my emergency fund, and contributed to my retirement accounts.I have a habit of worrying about the needs of others while neglecting my own, and this habit becomes most painfully apparent when I reflect on my financial life.
If this sounds like a humblebrag, trust me, I don't think the quality of giving to others without taking care of yourself is admirable — it's unsustainable at best and destructive at worst. It leads to stress, burnout, resentment, and can even ruin the very relationships it aims to nurture.
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Think before spending.
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