Breaking the habit of thoughtless spending.
Are you feeling the pinch? When things are going well it’s easy to get carried away and “splash the cash”, but when times are hard for the economy or you personally, it's not at all easy to tighten the belt.
The habits of free and easy spending can feel hard to break, especially when boredom sets in and online shopping is all too easy!
Even if you’re the sort of person who is quite careful with their money, you probably don’t live on a deserted island. Like the rest of us, you are surrounded by advertising to buy more and indulge. Not because you need these things, but because they will make you more attractive, younger, well-known, superior, etc. At least, that's what the advertisers want you to believe, and we’re programmed to want to believe them.
When money gets tight or future finances become uncertain, these messages about spending don't go away. While you’re consciously trying to be more frugal, every shop and online retailer is doing all they can to tempt you with the latest and greatest 'special offer'. These 'discounts' are not charity! They are there to draw you into spending more than you really want to or can probably really afford.