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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.


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