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Spending Out of Control

valleygirl

valleygirl

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Apr 5, 2015
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Valley of dry bones
I have almost maxed out my credit card with a $2000 limit. I just bought 3 pairs of Keens athletic sandals in different colours. I spent $34 on a top I shouldn't have bought, about $100 on birthday presents for my one year old niece, and a North Face rain coat that was over $200 (supposed to be completely waterproof, which I need for work). I keep on buying new clothes that are justifiable for work, but I am buying way more than I need. I'm not manic, I just get a bit of a mood lift when I purchase something new or pick up a package from the post office. Oh, yeah, I also spent over $100 on an essential oil diffuser and 3 different essential oils for a Mother's Day gift. I am so out of control.
 
valleygirl

valleygirl

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Apr 5, 2015
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Valley of dry bones
Every time I go to the store and tell myself I'm only getting groceries I inevitably find my feet taking me to the clothing department and find some new item of clothing I just have to have. I can't seem to stop myself.
 
H

Helena1

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can't you take some of it back? you could take cash instead of a card and then you have a limit.
 
Poopy Doll

Poopy Doll

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Jun 13, 2015
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Fort Lauderdale, Florida, USA
I would cancel my cards and not get any new ones. My mother use to do this, buying all kinds of stuff and then she had to return it all. She thought it was her secret and that I did not know.

If you could adopt a more anti materialistic attitude, that would help you.
 
LORD BURT

LORD BURT

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Mordor
I think you need a clean break. Something like entering a payment plan and cutting up your cards. You need to start on a clean slate.

There could be underlying emotional issues which is making you spend.
 
ThinkingCat

ThinkingCat

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Jun 11, 2016
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Shropshire
It definitely is a form of therapy, and it does feel so good.. but obviously getting into debt and feeling out of control feels awful.
It seems positive that you've recognised it as an issue.
Perhaps try writing a list of everything you buy and then setting a budget. For example setting a budget of £x for your niece and Mother's Day presents and then looking only for gifts in that budget. That's what I do at Xmas, set an amount for everyone.
Trying to find some other outlet instead of spending- or that you will spend less on, so buying loads of nail varnishes instead of clothes will be cheaper say.
Sometimes though I also have to tell myself I am worth buying new things for.
So long as you can manage your repayments etc then you can still enjoy shopping.
Another idea maybe to avoid shops altogether, as with underlying addictions for anything, sometimes complete avoidance is the only way.
 
The Duellist

The Duellist

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Nov 17, 2015
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There's a sucker born every minute and the express purpose of any business enterprise is profit(not to help you find solutions as they would have you believe). Next time you enter a shoppe and the attendants or the owners are reaaaaaaaally nice to you,ask yourself, "How pleasant and attentive would this person be to me if they weren't attempting to con me out of my money? You're out two grand right? Think about all the wonderful things that the merchant will be able to do with YOUR money.....pay for his kids college tuition....take a vacation with his family.

Adopt this mindset and little by little your habits will begin to change. I love going to malls and department stores because I can window shoppe(this pisses them off big time), enjoy the crowds, free heat in the winter, free air conditioning in the summer, free lighting at night(all at the merchant's expense, making the merchant the sucker) :LOL:. Larger malls are excellent for walking around. Savvy seniors are aware of this and they can be seen power walking and using the malls as their personal indoor tracks, of course gym fees, etc being paid by the merchants....remember they pay rent and miscellaneous fees for their space. At the end of the evening , your account is in tact, and no longer are you the sucker at the table.:)

Spending is an addiction and there are those that make it there life's work to make sure you continue to spend(Advertisers). You see placing the blame squarely on your shoulders is foolish(this is in the best interest of credit card companies and merchants). Realize that you've been exposed to this behavior since you were a child(your parents may been compulsive spenders). It's not entirely your fault and the addiction tends to lose it's grip when you see consumerism for what it is. Don't fall into the trap and stop being a sucker:)
 
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SoftRain

SoftRain

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Jun 26, 2016
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sillyville, USA
Well darn why couldn't I be your mother. I want a diffuser with 3 essential oils!😊
Well at least your not selfish you didn't buy everything for you.
Credit cards are soooo easy to use, and soooo hard to pay off.
 
tabbykitten

tabbykitten

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Nov 10, 2013
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Location
cloud cuckoo land (UK)
If you really can’t control your spending, and I do understand that feeling, then getting rid of your credit cards is the only sensible option.
My spending is not out of control but I do have to take care not to get carried away but setting a ceiling on the absolute top amount I spend each month. I also make sure I pay off the full amount on my card at the end of each month as this helps to control spending. You should list every single transaction you make, whether cash or card. Break down the spending into types - food, clothing, gifts, hobbies for example - so that you get some sort of idea where you might be able to cut back. Sounds like clothes in your case.
Maybe too it might help if you reduced the number of shopping trips to avoid temptation.
 
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