<prompt> Human: Sup rpersonalfinance,28 yo here. I took a loan from my parents to buy an apartment. This loan is what started me on the world of personal finance. I didnt really care about money before, now Im obsessed.The loan bugs me for some reason. I want to pay it ASAP. To do so Ive been experimenting with various ways to save.Im already doing the usual stuff, like having a budget, bringing my own food to work, etc.However the more frugal I am, the more I want to buy something I dont need. Its like hey, look, you saved this much extra money this month, lets spend it and then I spend the rest of the evening watching headphones reviews. I dont need no new headphones. I also dont need a new Macbook, yet I window shop on Apple website every second day.I am self-concious enough not to make any stupid purchases like that, but the urge is there.It even comes to food. The other day on my way home I was thinking about whether I should go to McDonalds on my way home. There was no reason to go there. I was almost at home, and theres food at home. But going to McDonalds felt like fun. I battled myself for a while, gave in, went to McDonalds and was very happy about it.Yeah, I understand that I can make a budget category for urges, but isnt there another way? Whats your experience with this?  <response>: Replace your reward system with something else. Right now youre in the mindset of Ive been frugal, now I deserve to splurge on something else. Its the same mindset for why diets often fail - well Ive eaten healthy for 3 days, now I can have a cheat day and eat some mcdonalds. Instead think of some non-spending ways you can treat yourself if you stick to your budget. Or allocate a budget to treat yourself, but you have to earn it. Or think of one big purchase you really needwant and save up for it. Paying down debt isnt very satisfying during the long grind, but setting yourself other mini goals may be. 