Minsan lang naman.
We deserve a self-reward from time to time. After all, every cent is your hard-earned money.
Unfortunately, it is easy to slip from innocent rewards into buying something just to make yourself feel better. In fact, many do not even notice that they already have bad spending habits until they end up with too many shoes, heels, and dresses in their closets. Your wallet is thick with receipts instead of bills.
There is nothing wrong with spending your own money. But is it okay for your future self to suffer and pay for things you have bought out of whim?
Before the inevitable financial crisis happens, it is vital to know the clear cut signs that you are an overspender.
You Need More Space for Your Wardrobe
You Are Constantly on Survival Mode
You Keep Putting Off Your Bills
Your Salary is Just Enough to Pay Off Your Debts
Credit Cards Are Vital to Your Survival
Maxed Out Credit Cards
You Secretly Feel Ashamed of Your Spending Habit
Your Shopping Habits Interfere With Your Life Plans
Paying for Unused Services
You Feel a Rush of Euphoria When Shopping
It is important to watch out for these signs. You can’t change your overspending habits if you do not acknowledge your bad spending habits and the main reasons why you get the shopping urge.
And no matter what triggers you to overspend, there will be a way to get out of it. Be conscious of how you spend your money. Track every cent and see where you can start controlling your budget. It will not be easy to get back on the right track, but your future self will be thanking you for the extra money saved.