Personal finances are like relationships. Things can go really good at times, and then 2 seconds later crash and burn out of nowhere! Haha… and it almost always involves you putting yourself into a situation you know damn well you shouldn’t have been in to begin with.
In committed relationships, this can happen a number of ways:
- Hanging out (alone) with someone of the opposite sex. Who’s pretty.
- Hanging out (alone) with someone of the opposite sex. Who’s pretty. And you’re drunk.
- Hanging out with exes.
- Getting too close to your office spouse!
- And about a billion other ways…
The same can be said about money:
- Finding yourself at Target, Best Buy, Starbucks all the time.
- Finding yourself online at Amazon, eBay, etc.
- Always keeping a credit card on you (my fave!).
- Shopping while drunk.
You see the pattern. And it’s not always because of the alcohol ;) In each of these instances you are literally putting yourself into a place you don’t belong! You may not always act inappropriately when there, but you sure do test the limits.
Were any of you were around my first week of blogging? If so (and it would be awesome if you were!) you might remember me talking about giving up SHOPPING for Lent – Something I had NEVER ever tried in a million years! (Or 27 for that matter ;)) But you know what happened at the end of it? After the initial shock and withdrawal eased up? I was freed!!! Freed from the nasty habit of just walking into stores for the fun of it – something I was so customized to doing all these years.
It wasn’t until I consciously thought about where I was driving every day/weekend that it hit me how EASY it is not to spend money! You simply DON’T go into stores! Haha…What a concept! And here we are 3 years later and I still rarely visit my old friends ;)
If you want to get a hold of your finances, really THINK about your daily routines and habits. Just because you formed them, doesn’t mean you can’t break them and form new ones! Keep your head up and do your best to avoid the temptation. You gotta be aware of these things if you care enough for your wallet and significant other.
(Photo by brainware3000)
Bonus tip: Find a good "balance transfer" offer to help pay off debt faster!
If you’ve been making payment after payment (on time) and still haven't been able to get your debt under control, snatching up a good balance transfer credit card offer may be the ticket to try. That’s where in order to gain your business - credit card companies will let you transfer your existing debt to a new card and let you pay ZERO PERCENT interest on it. Saving you tons every month!
What's the catch? Usually balance transfer cards charge a fee (around 3% of your debt balance) to let you transfer your balance to their 0% interest offer. But we've found a great credit card that will let you do a balance transfer absolutely free. Click here to learn more and see if you qualify!
PS: If you don't trust yourself with another credit card, ignore this! This strategy is to help you get out of debt quicker, not risk adding more to it.