Taking Control of My Finances!
Are You an Overspender?
To solve a problem, you must first identify it!
Ask yourself the following questions:
___Am I still paying bills from purchases made a year ago?
(disregard home and car payments)
___Do I use credit cards even when the purchase is small and I have cash?
___Is my checking account frequently overdrawn?
___Do I race to get my paycheck to the bank before checks come in that I have written?
___Am I often broke before payday?
___Have I stopped having or adding to a savings account?
___Do I sometimes wonder why II have a particular purchase?
___Do I ever give away new things because I really don’t need or want them?
___I am depressed about my finances?
___Do I feel out of control when faced with a buying decision?
___Do others kid me about my champagne taste and beer budget?
___Do I juggle payments to keep creditors satisfied?
___Are my credit accounts often at the maximum credit line?
___Do I shop for recreation?
___Do I notice mood swings before shopping?
___Do I fear sinking into bankruptcy if I do not stop spending?
___Do I ever feel free to spend more after cleaning up a debt?
___Am I surprised at how much interest I pay annually?
___Would a small change in my income or an unusual expense throw my finances into chaos?
___Do I hope my children will handle money better than I do?
___What I am doing on a regular basis to improve my money skills?
If you answered YES more often that NO, you are probably a chronic overspender… Fear not, I am here to help you learn and practice healthy attitudes and behavior with your money!
Contact Me to learn the Top 10 Habits of Healthy Finances!