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Money - Do You Earn Money To Spend Impulsively?

When you are making money, does it slip through your fingers almost as quickly as you make it? Do you buy things on sale even when you don't need them? See just how impulsive you are. Be truthful:

1.) Does your spouse or partner complain that you spend too much money?

2.) Do you carry a month-to-month balance on your credit cards?

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 have jewelry or other body ornaments that are collecting dust?

If you answered "yes" to any two of the above questions, you are an impulse spender. It would be wise to indulge yourself in retail therapy. This sounds like a joke, but impulse spending is a terrible habit, and can be hard to break. Many times we impulse spend, unfortunately, without knowing it.

Spending impulsively can 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.

You are not the only one who gets hurt when you impulse spend. Your family could get hurt too, with your unwise spending habits. Your friends could get annoyed with you not having money for entertainment with them, because you bought another pair of jeans to add to your collection.

Even though we are not to blame for becoming impulse spenders, we must take control of curing ourselves. I cannot stress enough how important it is to take a long pause before buying a "luxury item".

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.

Take it from one who know firsthand, impulsive spending is not good. It can easily destroy your finances, if you allow it to. It can be a terrible addiction, like sugar or food, and just like a food or sugar addiction, it can be cured, with some amount of smart work. Please don't take your impulsive spending lightly. Put together a plan, TODAY, to stop it. Both your wallet and your relationships will thank you for it.