How To Avoid The Impulse Spending Bug

Answer these questions as truthfully as possible:

1.) Does your spouse/partner complain that you are spending too much money?

2.) Are you surprised each month when your credit card bill arrives? Did you charge more than you thought you had?

3.) Do you have so many shoes and clothes in your closet that you’ll never possibly wear them all?

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 or needed until you saw them on display in a store?

6.) When you surf on your computer, do you buy "this" program and "that" program, never completing one project because you are already on to the "next great deal"?

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 at all. It can prevent you from saving for important things like a house, a new car, a vacation or retirement. You must set some financial goals and need to resist spending money on items that really don’t matter in the long run. On the things that you don’t need!

Impulse spending will not only put a strain on your finances but your relationships, as well. To attempt to overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers hawk their products at us 24/7. The trick is to try 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 those credit cards at home.

If you see something you think you really need, give yourself a week or two to decide if it is really something you need or something you can easily do without. By following this very simple solution, you may mend your financial fences and keep your relationships.

By: micsan07

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Michelle Lacroix-Toro resides in sunny Southern Florida where she has her hands in all kinds of projects: writing, jewelry making, bread baking, and spending time on her computer with her revenue sharing programs. “Friends call me up all the time asking me how I get to stay at home instead of going out to work like a ^normal^ person. I show them my replacemyjobnow.com site and it usually takes off from there!” Michelle can be reached at micsan07@gmail.com.