How To Master Your Overspending Habit!
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- Опубликовано: 9 сен 2024
- Do you struggle with over spending? Addicted to shopping? In this chat session I talk through the specific steps you need to take to master those negative habits once and for all.
I discussed:
- How to peel back the layers to determine the root cause of why you overspend
- How to manage your emotions around your money and your spending
- How to make it easier on yourself when it comes to not spending as much money on things you don't need
- Specifically what you need to do to kick your over spending or shopping addiction to the curb....permanently
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❤ Follow me on Instagram: / clevergirlfinance
It's not just the negative people who will judge you, or mean people who will doubt you..it's also all those people who feel like you have something in common with them BECAUSE you're bad with money too. When I got out of debt and started saving and paying off our house etc., there was a lot of strange and even nasty behavior from people I really thought would be the ones who would be there for me. They'd been close while I was down, so why wouldn't they still be there for me when I wasn't? But they weren't ready to change yet, if they ever will be. There was a lot of stuff like "I guess you're rich now so...", or "We weren't just born to pay bills..", or "Oh, so you're too good to go shopping with us now?" etc. When you change your behavior and you actually begin to succeed you'll feel better about yourself, but know in advance that not everyone will be so happy that you've finally gotten out of the quicksand, especially if they're still happily swimming in it.
I dont mean to be off topic but does someone know a way to log back into an instagram account?
I stupidly lost my password. I would appreciate any help you can offer me
@Niko Alfonso Instablaster ;)
@Scott Vincent I really appreciate your reply. I got to the site through google and I'm trying it out atm.
I see it takes a while so I will reply here later with my results.
My biggest mistake was letting my ex do the finances now im in a middle of divorce and trying to get my finances together so glad i found you. My goal to get my own house so my kids and i can have mental and emotional peace!
As a 26 year old who did terribly in the last months and years of my life, I am so glad I found your channel. I have always watched financial videos because I want to break the habit of overspending and being in debt. For the first time, I took it serious. I wrote the points down and working through each inch of this video and I am so grateful for you! God bless you. This is the first step of breaking my financial habits and moving on to build, so my future children and niece don't have to start where I started!
I won't be out there this year. I want to pay out all my bills and save for a house. I'll have the family over for a big meal instead. My priorities are different this year. I will remember your hints throughout the new year. Thanks.🌹
My why is my daughter. I want to finish my accounting degree so that I can have more financial options and pass wealth down to her. My job has tuition assistance but no one in my department at my job takes advantage of it, I made a conscious effort to utilize this benefit. My co-workers eat out everyday and I choose not too. Sone hav made comments saying “Oh you are being “good” all the time”. This job is a great launching pad for my future but I don’t want to get comfortable and then 5 years from now I’m still at the same job in the same position.
Thsnk you so much ❤I went from being a shopaholic to being a foodie to feeling very detached from shopping. I realize I used shopping as a distraction and as a treat
My why? I want a different lifestyle and my values in life have changed. I want more freedom, I want to spend on books instead of expensive clothes. I want to travel. My worst mistakes was loans and student loans, and spending spontaneously and mindlessly because I was going through a bad time, and going to the mall felt like therapy
Your comment shows you've done the necessary self-work/reflection - now it's time to implement your changes and work on your goals. You got this!!!
@@Clevergirlfinance aww thank you 🥰
Thank God I saw your comment on another RUclips page. This has been so helpful ❤️
My mistake: spending all my money on cheap clothes. So now I have nothing to show for and no money. I m trying to change though.
I agree, as human beings we make things over complicated when we bring our emotions into it.
SUCH AN INSIGHT-FILLED MESSAGE. I was planning to listen when it was live but couldn’t. When I got your email it was DIVINE TIMING! Thank you for all you do and share. XOXO
Yay I'm so glad you got to watch!!
I'm so glad this was helpful!
Bola you are AWESOME! Podcasts are awesome!
Thank you i'm so glad you liked it!
Clever Girl Finance shopping addiction need help
I'm 19 months away from retirement my why is to be financially stable .to become debt free your information is a big help too me I need to look at my why everyday
Excellent advice & tips, Bola!!!!
Thanks for the kick in the pants! LOL
I need this today! thank you!
I like thay, it should be a "debt score" not credit.
Rachel W
Me too
Im going through all your videos..... I've budgeted time to get educated and empowered about my finaces...
Hi Bola!
I've cut up credit cards....just slowly paying them off. Thanks for the video👍
It is a debt score because before I paid off 1 of my student loans my credit score was 798. After I paid it off it went down to 773.
Yes
your channel is the first and only channel i have notifications turned on for
Great information / conversation, and even the advice at the end about telling the spouse the truth with a plan to clear things up.
so glad i found you!
Thank you for this. It s inspiring and attainable
Preach on my sista!
Wow I like your channel it sound advice and dond sound like a sales pitch
I have a shopping addict what advice can you give me
Hi Clever Girl Finance, I hope my comment reaches you even if I'm one year late. First off, thank you so much for this! It has been really helpful for me.
I have a question, though. I budget, although, it's true, I am not consistent and not disciplined enough to keep to the budget. Also, in my mind, budgeting for me is like a punishment for previous overspending behavior and I "reward" myself after several days of not spending and say to myself, ok, I did not spend on this, so now, I can spend. And then, I'm back in the cycle of overspending. How do I get out of this cycle?
This happens a lot.
I have several why's. Now I've just added one. I want to pass on my wealth to my daughter.
I don't want to be broke unecessarily
I don't want to walk in a store and not to be able to purchase what I need
I want to be able to help my family.
I want to pay off a mortgage in 15 years
My why is financial stability
New subscriber here miss I love your content thank you very much for your inspiration happy new year to you and the family when in come
I know I got money then I take some of money buy something else then I go back replace the money I already had spent because I forgot the other bill that is coming in
takes nearly 6 minutes to get to the content but otherwise very good
Sarah Dilys Cuddy Thanks! I was wondering where to forward this video.
My why is so I can pay for nursing school out of pocket since I don’t qualify for financial aid.
My biggest money mistake is getting a title loan 🤦
To get out of debt and save for retirement
My money mistakes was following a friend getting home Equity loan
Yes