this post was submitted on 25 Aug 2026
39 points (83.1% liked)
Technology
87550 readers
3135 users here now
This is a most excellent place for technology news and articles.
Our Rules
- Follow the lemmy.world rules.
- Only tech related news or articles.
- Be excellent to each other!
- Mod approved content bots can post up to 10 articles per day.
- Threads asking for personal tech support may be deleted.
- Politics threads may be removed.
- No memes allowed as posts, OK to post as comments.
- Only approved bots from the list below, this includes using AI responses and summaries. To ask if your bot can be added please contact a mod.
- Check for duplicates before posting, duplicates may be removed
- Accounts 7 days and younger will have their posts automatically removed.
Approved Bots
founded 3 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments

One thing that works just as well is paying bills.
Like, always use auto pay, but when you want to spend, go pay a bill early. This is especially useful if you're using a credit card for points. Whenever you feel consumerery, whip out the app, and pay the bill to zero. You get the same dopamine hit as a purchase making the payment, but then you get a bigger one seeing it (will) go to zero.
If you ever go to look and it's zero, instead of the dopamine from paying, you get one from seeing $0.00 on your credit card bill.
Or just video games like animal crossing, I've always been convinced people just like existing in an economy that might not be "fair" but at least has a path towards eventually success. Even if you're shit at it (to my understanding) you just accumulate resources slower, but eventually you get there.
Decades ago when I was in my 20s, I saw so many of my peers get buried in CC debt. I avoided CCs for quite awhile, but eventually realized I needed to know how to use them responsibly.
When I was in my 20s there was no app to pay a CC, but I accomplished the same thing by mailing in a payment the same day as I made the purchase, and did that for every purchase. This made that mental connection for me that spending on CC means immediate consumption from my bank account, and that if I didn't have the amount of money to pay for the purchase from my CC, I didn't allow myself to buy it.
With the exception of a few months when a major repair bill hit and I had to shoulder it on debt, this allowed me to never get into CC debt. I'm still using CCs heavily decades later, but always paying off the statement balance 100% ever month and never paying interest. I credit my behavior when I was younger to accomplishing this.