Are you in control?

Taking control of your spending takes an incredible amount of discipline and tenacity. It is so easy to be seduced by advertising which is pushed in your face a thousand times a day. You may not realise it but people are attempting to brainwash you every time you turn a corner, from the moment you open your eyes in the morning till the the moment your head hits the pillow.There is no getting away from it.

Companies want your business, no, they actually crave for it. Their soul aim is to prise as much money as they can from your sticky little fingers, no matter how hard you try to hang on to it. The money you have worked for, the money you have sweated for, giving up oodles of your precious time to earn, is going to grow their business. Your money is their life blood.

What do you see when you go into a shop? Posters, big bold displays, pile em high stacks of goods, screaming out at you, BUY ME - BUY ME. Don't forget what you went into the shop for, don't daydream and don't dawdle, go straight to the department to pick up what you need.  Yesterday I went into Home Bargains for free range eggs, (cheapest place to buy them), pack of three washing sponges, (cheaper than B & M), and light bulbs, and that is exactly what I came out with. Don't forget, shops are there to provide you with the goods you need, but they try and sell you extras that you don't need. The latest trick is to push a last minute sale just as you are about to go through the checkout. You are in a hurry and want to get out of the shop, this last minute tactic has taken you by surprise, so many people fall for it. It's up to you to wise up and walk away.

Ok, how good are you at resisting sales patter? Do you stand your ground and firmly say no when approached by an unwanted and uninvited sales person? Or do you stand there and politely listen, worrying about being rude and walking away? Don't let them waste your precious time. Unless you have instigated the enquiry and they are giving you the information you asked for, stop them dead in their tracks before they have the chance to dig their claws into you. Walk away, leave the premises, put the phone down. Sales people are trained to hoodwink you, they do it in a very clever way. They smile, they are polite, they pretend to be your friend. They are not your friend, they only want you to buy something from them, because their job depends on it. You don't owe them anything, you owe it to yourself to hang on to your money and only spend it on what is important to you.

Are you one of those people who find they run out of money towards the end of the month, and have to live for a week on credit cards till the next payday? Sounds familiar? Always trying to catch up but sinking even deeper into the mire. I suggest that you start a spending diary, write down every day, every penny you spend. You will be surprised at how much money you are wasting on things you want, rather than things you need. The key to good money management is knowing the difference.

By all means buy things you like and want, but only if you can afford them. It is madness to spend on designer shoes, huge TV's, flashy cars and such like, if you haven't got enough money to put food on the table. This is where people reach for a credit card. Credit cards are not cash, something a lot of people get confused about. Credit cards belong to the bank. It is their money you are spending, and they are going to want it back, with interest, sometimes huge amounts if you miss payments and get into arrears. The old fashioned way is to save up and buy it when you have actual cash, by far the best rule to live by.

When debts mount up you become a slave to money, it owns you, and consumes you. No point in ignoring it, it will never go away, that's why it's best never to fall into the trap of spending money you haven't got. Never to give in to temptation. Everything you buy should be a carefully considered purchase, it's going to take all your will power not to give in to impulse buying. It's not much fun when you walk out of a shop without that bar of chocolate you saw on display at the cash till, why do you think they place them there? Believe me you will feel proud of yourself at the end of the day when you still have money left in your purse. I quite happily walk in, and out, of shops when they haven't got what I want at the price I want to pay. It's my decision what I spend my money on.