When your local retail store announces a clearance sale what do you do?

• You arrive early, credit card in hand, and buy everything of the slightest value.
• You think about what you need and carefully plan a budget.
• You don’t even think about going—too risky.
• You buy what you want but try and cut down on other expenses for a few months.

In general, what is your mood when spending?

• You buy when you are happy.
• You buy when feeling depressed.
• You feel envious, as if you have to keep up with your friends.
• You buy in cycles, running up debt for a while and then paying it off in a few months.
• You don’t shop according to mood. You budget spending money and plan in advance for everything you intend to buy.

How do you go about saving money?

• You set aside at least 15% of your income for retirement, college education, emergency funds and savings or 401k.
• You faithfully succeed at saving at about 5-10% every month.
• You try for 2-3% of your income for at least emergency funds and retirement.
• Oh…you should probably start doing that, huh?

How do you generally feel about your spending habits?

• Confident, you have achieved your financial goals.
• Cautiously optimistic. You plan carefully and spend carefully.
• Hopeless. Things are bad and probably getting worse.
• Oh, you never thought about it until now…now you’re in a panic!

A lifetime of impulsive spending catches up to you quick! On the other hand, it’s never too early to start thinking about saving and spending cautiously. If you are a spendthrift, it might be high time you figured out how to create a budget.

Are You an Impulsive Spender? is a post from: Best Finance Loan
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