A credit card is a terrible evil if you can’t control it.— Warren Ingram, Galileo Capital Financial Advisor
Don’t go grocery shopping when you’re hungry!— Warren Ingram, Galileo Capital Financial Advisor
Do you have a spending habit that’s hard to break?
Ingram gave the following five tips to help you reign in your spending:
Use cash when you go shopping.
Credit cards make it easy to overspend. If you only use cash; you can’t spend what you don’t have.
Give yourself a weekly allowance.
Set up your budget. Then determine how much you can spend each week on fun stuff like eating out and draw that cash once a week. If you blow it all in one night; you need to stay home for the rest of the week.
Use a shopping list.
Prepare your shopping list for groceries at home and only buy what is on your list. Don’t buy extras!
Use a cooling off period.
Found a gadget or new clothing item that you “must” have? Take 24 hours before you go back to the shop to buy it.
Let someone else shop for you.
Make use of online shopping or get a friend or family member to shop for you (you can do the same for them). Doing this keeps you from buying on impulse.
Listen to the audio below for more detail.
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