Answer these
questions
truthfully:
1.) Does your
spouse or partner
complain that you
spend too much
money?
2.) Are you
surprised each month
when your credit
card bill arrives at
how much more you
charged than you
thought you had?
3.) Do you have
more shoes and
clothes in your
closet than you
could ever possibly
wear?
4.) Do you own
every new gadget
before it has time
to collect dust on a
retailer’s shelf?
5.) Do you buy
things you didn’t
know you wanted
until you saw them
on display in a
store?
If you answered
“yes” to any two of
the above questions,
you are an impulse
spender and indulge
yourself in retail
therapy.
This is not a
good thing. It will
prevent you from
saving for the
important things
like a house, a new
car, a vacation or
retirement. You must
set some financial
goals and resist
spending money on
items that really
don’t matter in the
long run.
Impulse spending
will not only put a
strain on your
finances but your
relationships, as
well. To overcome
the problem, the
first thing to do is
learn to separate
your needs from your
wants.
Advertisers blitz
us hawking their
products at us 24/7.
The trick is to give
yourself a
cooling-off period
before you buy
anything that you
have not planned
for.
When you go
shopping, make a
list and take only
enough cash to pay
for what you have
planned to buy.
Leave your credit
cards at home.
If you see
something you think
you really need,
give yourself two
weeks to decide if
it is really
something you need
or something you can
easily do without.
By following this
simple solution, you
will mend your
financial fences and
your relationships.
