I’m seeing more and more clients who are banking on retail therapy to get them through this recession. They’re using shopping to numb the worry and stress of unsteady income, shaky jobs, treacherous home mortgages and rising food and gas prices. When they feel bad for whatever reason, off to the mall, bookstore or even grocery store they go.
Plan Ahead. Plan for everything you can, from shopping to what you will be having for tea, planning ahead saves both time and money.
Most people want nothing more than to be able to effectively manage their finances. After all, Joe Public works hard for the money and hates to see his money going towards things that don’t further his financial objectives or build his future
There used to be a time, before automatic deductions, that we would cash our paychecks and instead of paying down debt or putting the bulk of the money into a savings account, we would perhaps pay ourselves a little more and pay the bills a little less.
It came to my attention recently that more and more people are holding down two jobs just to afford the kind of lifestyle they desire or have become accustomed to. I’m not sure if it’s our consumerism society of instant gratification that we must have it all and have it all now that drives this or what. I know that people are in over their heads financially and are trying to find ways to make extra money to pay for all of the extravagances they desire.
