Try going completely broke. I tried that and now I'm a stingy stingy person. In fact half my day is spent thinking how I can save even more money on my water and electric bills. It's not that I've become stingy to hoard money for any specific reason, other than If I find myself in an emergency situation, I'll hopefully be able to buy myself out of it, instead of going hungry or homeless. So just picture yourself outside in the street, no food, and no place to sleep if you need a way to keep yourself from spending money.