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Paying interest confirms you are borrowing
money. Credit cards are an expensive way to borrow. Paying extra for not planning wastes money you would otherwise enjoy.
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If you are "over" spending regularly you will be
building expensive debt. This is not a good strategy as increasing amounts of your income will be absorbed by interest. If you continue
like this you will end up with big debt problems.
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With all the media hype out there, it's really
easy to spend more than intended. It's great you recognise it, but better still to get your card back under control.
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SShops are designed to be irresistible - that's
their job. Regretting buying something often happens when you knew it was wrong, but just got misled by the sales situation. A good
defence is to refuse to impulse buy, always take the time to ask yourself if you really need to have this item on this day. Better still
sleep on it.
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We all have limits, the key to happiness with
money is to know where our current limit is and live within it. Credit is very powerful, used correctly it can turbo charge your life
opportunities, used poorly it can be crippling. Its worth having a good look.
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Unless you are wildly rich few of us have money
to burn. Once accommodation, transport, fuel and food are paid for the "free funds" that we can spend are limited. The best VFM is
something that will enhance your life overall, taking everything into account - including its impact on your future!!
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It is my opinion that the COST of a present
should NEVER, NEVER, NEVER be used as a sign of affection. A real honey will not spend all your money.
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Shopping is used by many people as a filler and
a entertainment. There are much more rewarding, and cost effective, ways to enjoy life, don't let shopping consume your life or take away
your life options.
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It's very sad that you are using shopping as
a substitute for other needs. I think you know that shopping is not the answer.
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