Prevent over spending. Even when you really want to.
One thing I hear from a lot of my clients is that they save so much money by making a list and giving it to us to shop.
Something just happens when you walk in a store or browse the internet pages. All those targeted ads and the pretty colors. Before you know it money is jumping out of your pocket. Not all the time and not for all people but, for a lot.
Even if you don't hire Rollin to do your shopping there are a few things you can do to cut back on the temptation. Well, not the temptation but the ability to buy!
1. The first thing to try is the list method.
Make a list of the things you need and some of the things you want. When you go shopping, pick up all the need things first and then if you have saved enough according to your budget allow a want(s) you can afford.
If you have to ask yourself is this a want or a need. Well, then it is probably a want.
2.The second thing to try is cash only.
When you go shopping go to the bank or wherever you keep you money and only take out the cash you can spend. Then when you go shopping do not take any cards with you. I mean none! You can't spend money you don't have. If you get in the store and open a line of credit just to get something, then you are beyond the help of this article.
3. The third thing to try is cold turkey.
You know the places you love to shop. You know where you will spend the most unnecessary money. Don't go to those places. At least while you are trying to keep some money in your pocket. I know that seems crazy and maybe even impossible, but it can work. You can hire Rollin to do your shopping and if not us than a friend. A honest friend that is. With smart phones and email you can still make a final decision on a particular item with a quick picture message.
It may be too late to try these for this Christmas. Most of my clients have gotten all of their shopping done. (I have NOT!) But try them in the future and tell me how it goes.
Things are nice, but nothing beats knowing all your bills are paid and you don't have to worry. That pretty shirt will be there next time. And if it isn't, another one will be in it's place.
Karen, "The Delivery Diva"
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