Spending habits
June 24, 2020
I’m Miriam Neff-with STARTING OVER FINANCIALLY, and I’m Valerie Neff Hogan, and we’re here to talk about money.
M Spending habits are hard to break. Change happens and old habits no longer work. We may say we don’t want debt, but what do we do about it?
V This sounds harsh, but if we say, “I want to get out of debt.” and we are not cutting your spending, I say, “No we don’t. Look at our actions.”
Yes, the thought is important, but means nothing unless its matched with action. Think ahead. Imagine how freeing it would be to not be paying interest and debt, but saving for something important?
M Think first, then act, small steps. Never underestimate the long term effect of reducing even small purchases.