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.
God bless