I use the one year simple moving average. I'm more likely to spend Monero when it's above the one year simple moving average, and I'm more likely to save Monero when it's below the one year simple moving average.

As an example, right now is a good time to use some Monero, because it's nearly 30% above the simple moving average, and so I'm peeling off a little bit to spend on things like paying off debt and stuff like that. And when it goes back down, then I will begin collecting more again.

This is a mental brain hack to allow me to think I have less money than I do, and therefore I'm more frugal than I otherwise would be