Money - Over Spending
Are you one of those people that overspending only to regret it when you get the bill at the end of the month and go back to doing the same habit as soon you get your pay check?
Emotional needs
You may be one of the people that use spending to fulfill the feel within you hoping that even only for a short while that you can forget your problems.
Your spending may be on your self when you are happy and you want to celebrate or when you are feeling sad, lonely or to may other people happy by overspending money you may not have.
Fulfilling the hole
You may use spending as a way to fulfill your emotional hole within hoping you will feel better and you do for a short time only to return back to the empty feeling within.
Credit card
That wonderful plastic that is use for many things good and sometimes overspending only to keep you in financial debt and connected to someone or some institution.
If credit cards were not around you would use something else to express your emotions.
Credit cards help you not to take ownership of your habit or your feelings.
One step to break the pattern is to cut up your credit card or give it to someone that will not give it to you until you can control your spending.
Cash
Limit yourself to paying for things you purchase with cash that is a wake up call to how much money you earn in an hour.
You can buy things you want after you have given yourself time to reflect on it instead of buying it without thinking.
Permission to spend
It is not to condemn yourself or your mate to not spend it is to realize that if you know you have a spending problem it is not healthy for you to have a credit card.
Limit yourself or your mate to a spending amount what you chose to buy with it is your business and once the cash is gone you do not get any more until the next time you both agree on.
Conclusion: Overspending is a symptom of something hidden that need to be reveal to be heal and it can get under your control.
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Source: http://ezinearticles.com/
Added: June 6, 2008
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