Friday, September 13, 2013

IMPULSIVE SPENDING? STOP IT!

"If therefore ye have not been faithful in the unrighteous mammon, who will commit to your trust the true riches" Luke 16:11. KJV. "So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches" NIV. Recently I was in a counseling session with a young couple (whom I love dearly) who was in big trouble with finances. They accumulated a huge debt in six months in to their married life. They want to keep up with the standard of living just like their parents forgetting parents worked thirty years more than them and were holding well paid jobs. They absolutely forgot my premarital counseling with them titled "Sky high expectation and Ground level reality". My friends, that is the result of impulsive and compulsive spending. Are you one of them? Impulsive buyers buy on a whim, make unplanned purchases, usually lack self- control in buying situations, and lack clear priorities in spending, which results in overspending, unnecessary additional debt, unused articles, luxury cars, boat, which results in family arguments and peace-less life. Hey, you are not federal government to run your life in deficit. YOU CAN'T PRINT MONEY EITHER! TADA! Every thirty days you have to pay your bills buddy. Your problem is you have "I WANT IT NOW SYNDROME". Spending beyond your means will lead to persistent fear, unremitting debt and depression and feeds into a downward cycle of worry and low esteem... the instant gratification of impulsive spending...deepening debts.. more worry..more spending.... And you will get your credit card bills saying " Pay the Minimum payment" $ 29.00. Looks like they are your great uncle. But they are charging you outrageous interest rate for the principle balance buddy. My friend, you must learn to handle the smallest things God has placed under your authority- your money- before He can trust you with anything great in your life. Solution "DO A PLASTIC SURGERY". CUT THE CREDIT CARDS.. Pay off your debts man, live on tuna sandwich for a while man. Be serious man. I love you guys. Take it or leave it.

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