{"id":27341,"date":"2020-11-30T19:19:23","date_gmt":"2020-11-30T19:19:23","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=27341"},"modified":"2023-08-28T07:14:11","modified_gmt":"2023-08-28T07:14:11","slug":"budgeting-tips-stop-impulse-spending","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips-stop-impulse-spending","title":{"rendered":"Impulse Spending: A Matter of Interest"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/couple-shopping-online_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Impulse Shopping<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Tips to reduce the urge to spend when stress is high.\u00a0<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||130px|||” custom_padding_tablet=”||135px||false|false” custom_padding_phone=”||102px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

Impulse Spending
\nA Matter of Interest<\/span><\/h1>\n

Have you ever made a purchase and later regretted spending so much on the item or wondered why you even bought the item? Does this happen to you often? Unplanned spending to purchase things that you may or may not need is often referred to as “impulse spending.” Using credit or credit cards for impulse purchases can contribute to a cycle of ongoing financial difficulty.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||100px|||” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”24px|||||” custom_padding_tablet=”35px||||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Reasons for Impulsive Spending<\/h2>\n
    \n
  • Do you spend when you\u2019re in a good mood?<\/li>\n
  • Do you spend when you\u2019re feeling down or you\u2019ve had a bad day?<\/li>\n
  • Do you buy gifts for friends or family?<\/li>\n
  • Do you like to buy things for your collection (e.g. movies, videogames or antiques)?<\/li>\n
  • Do you buy knowing that you\u2019ll be getting the money to pay for it soon; your next raise,<\/li>\n
  • Money for your birthday or next commission cheque?<\/li>\n
  • Do you make a purchase because you feel that you deserve the item?<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/12\/regretted-spending-on-items_2colm.jpg” alt=”Regretted Spending On Items” title_text=”regretted-spending-on-items” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” hover_enabled=”0″ border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”0px||0px||false|false” custom_margin_tablet=”||-90px||false|false” custom_margin_phone=”||-90px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”35px||||false|false” custom_padding_phone=”55px||39px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

    Identify Why You Spend Impulsively
    \nThis Will Help You Find Ways to Change<\/span><\/h2>\n

    Spending when you\u2019re in a good mood is easy. At the clothing store, everything you try on looks great, they\u2019ve got your size and since the red one suits you so well, you may as well grab a blue and black one at the same time. At the home improvement store, they\u2019ve got the light fixture you wanted, but they\u2019ve also got the flooring displayed that you think you may want next Spring for the kitchen; you may as well get that too while you\u2019re there anyways. You often make good mood purchases in a subconscious effort to make your good mood last longer, a mood which fades quickly when you realize you\u2019ve just spent the grocery money.<\/p>\n

    When you\u2019ve had a rough day and are feeling down, you\u2019ll try almost anything to improve your mood and make yourself feel better. A new book or cell phone with a catchy ring tone will make those three customers who argued with you at work seem like a distant memory. While your mood may improve temporarily, when the credit line statement arrives and you\u2019re short for the rent, the good mood will feel like a distant memory!<\/p>\n

    Regardless of your mood, buying for friends or family is easy to justify \u2013 you\u2019re returning a favour, needing a thank-you gift, it\u2019s the perfect thing for their front room, you want her to know you\u2019ve been thinking about her, or you know that he just can\u2019t live without it!<\/p>\n

    When you try to justify an impulse purchase, you can be very creative and come up with a list of reasons to put your mind at ease. All the creative calculations in the world, however, won\u2019t make it easier to pay the credit card balance at the end of the month.<\/p>\n

    But maybe you feel that you just deserve something new, or better yet, you\u2019ll buy it now rather than wait for your commission cheque – a newer pair of jeans or the new plasma television, which has no interest or payments until next year if purchased on the store\u2019s credit plan.<\/p>\n

    Money is always harder to earn than it is to spend and while it may be time for a new pair of jeans or a new TV, planning such purchases into your budget so that you have the funds in your account before you go to the store, allows you to maintain greater control over your money \u2013 not the other way around.<\/p>\n

    Impulse spending can cause debt; in some cases, a significant and unmanageable amount of debt. It\u2019s easy to let balances accumulate on 2 or 3 credit cards with the intention of paying them off in a few months. Add one or two \u201cbuy now \u2013 pay later\u201d debts to the list and all of a sudden your future pay cheques are spent before you even see them in your account. When your debts start to get out of hand, so does your sense of control over your money. Looking at the mail and answering the telephone may become stressful activities and you may start to feel that your finances are controlling you. The feeling of losing control over your money can be frustrating, discouraging and extremely stressful, especially considering how hard you need to work for each pay cheque!<\/p>\n

    A little stress can be a good thing. It can motivate you to be effective at work, it can promote productivity at school and it can give you energy to accomplish things at home. Think of how quickly the yard can be cleaned up when you\u2019ve decided to host a summer barbeque\u2026 next weekend! Too much stress can have the opposite effect. It can overshadow productive thoughts, de-motivate you and wear you out physically, mentally and emotionally. It can impair your communication ability with family, friends and co-workers and cause you to make poor decisions and judgements at work as well as in your personal life. A lot of stress can also lead to more impulse spending because a pattern of mood-related, self-justified and defensive spending develops.<\/p>\n

    Consider this situation: imagine that you\u2019ve had a frustrating day at work trying to complete a project with your co-worker. It needs to be done for a meeting tomorrow morning where you\u2019ll be presenting the results to your boss as well as the district manager. However, you just don\u2019t seem to be able to convey your thoughts effectively to your co-worker so that the two of you together can complete the project by the deadline. You\u2019re drained from lying awake the last few nights wondering where the next mortgage payment will come from, not to mention the registration fees for your son\u2019s hockey and your daughter\u2019s gymnastics. Your mood is really low, so on your way home from work you decide to swing by the mall. Even though you don\u2019t need them, you rationalize that if you buy a new shirt and tie for the meeting, at least you could look successful.<\/p>\n

    Looking at this example, it seems that the poor mood caused the stop at the mall. The purchase was intended to improve the poor mood. Truthfully, the poor mood was caused by the financial worries, which caused the sleepless nights, which in turn, caused the distractions at work. Although the poor mood didn\u2019t cause the bad day, for the person experiencing this situation it may feel that way. Since the project results are still needed for tomorrow\u2019s meeting, the new shirt and tie (and new shoes as well) could be a justified expense in their mind. However, the money that was spent on these new items won\u2019t actually improve the poor mood. In fact, the opposite will happen because the sleepless nights spent worrying about finances will continue now that even more money has been spent\u2026 and the cycle of mood-related, defensive spending continues.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” prev_background_color=”#e4f8e0″ _builder_version=”4.16″ background_color=”#ffffff” custom_margin=”||0px||false|false” custom_margin_tablet=”90px||-120px||false|false” custom_margin_phone=”86px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”2px||0px|||” custom_padding_tablet=”0px||151px||false|false” custom_padding_phone=”0px||168px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_padding=”156px||8px|||” custom_padding_tablet=”120px||||false|false” custom_padding_phone=”105px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    How to Minimize Impulse Buying and Make Wiser Spending Choices<\/h2>\n

    You may struggle with this all the time or periodically throughout your life. Recognize that impulse spending is as much psychological as it is physical. The physical conditions that precede spending money are often easier to identify: you would like to sell your apartment, so you spruce it up before you contact a real estate agent, or you may have received a birthday invitation from an old friend and need to buy a gift. However, there are thought processes that occur, often subconsciously, that contribute to your spending. These are the same thought processes that influence your judgement over needs versus wants when you build a budget. A coat of paint may be all you need for your apartment but you add new rugs, a new table and plants. While a birthday gift may be as simple as a card with an offer to join you for dinner so that you can catch up with your friend, you feel guilty that you haven\u2019t kept in touch as much as you\u2019d have liked to, so you included a new CD and book with your dinner invitation and card. Recognizing the underlying strength of these contributing psychological circumstances will help you in your efforts to control your impulse spending.<\/p>\n

    First, take the time to identify why you spend impulsively. It may be one of the reasons mentioned above or something else altogether. It is hard to change something that you don\u2019t realize exists, so think back about your purchasing behaviour, look at your credit card and bank account statements for clues or ask a family member or friend if they\u2019ve noticed anything about your spending that may help you answer this question. Secondly:<\/p>\n

    Compare Your Current Financial Situation to Your Spending<\/h2>\n
      \n
    • Do you have debt that you are trying to manage?<\/li>\n
    • Are your credit card balances high enough that it would take you longer than 12 months to pay them all off and leave them paid off?<\/li>\n
    • Do you use more than 20% of your net monthly income to service debt payments?<\/li>\n
    • Have you received a collection call or letter?<\/li>\n
    • Do you lose sleep worrying about your finances?<\/li>\n
    • Do thoughts about your debts interfere with your ability to concentrate at work or school?<\/li>\n
    • Do you hide your spending from your partner?<\/li>\n
    • Do you juggle which bills you pay each month because there just isn\u2019t enough money to pay them all?<\/li>\n<\/ul>\n

      If you answered \u201cyes\u201d to one or more of these questions, you may need to learn and use good money management techniques as well as put a plan in place to address your financial situation, which may be a contributing factor to your spending cycle.<\/p>\n

      Next, realize that it takes personal energy and resources not to buy something you\u2019d really like to have. This can be the key to controlling your impulse spending. Fighting an impulse or urge is harder than giving in to one. Giving in to a spending impulse allows you to achieve instant gratification. This makes impulse control even harder because so often you receive delayed gratification; it\u2019s a nice feeling to be rewarded immediately for your work, not in 2 weeks when you get your next pay cheque. However, all the extra personal resources you expend to resist an urge or impulse to spend can wear you out. A successful approach to control your impulse spending needs to include strategies to maximize the personal resources that give you the energy to maintain control of your spending choices, as well as your money management plan.<\/p>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”rgba(91,37,175,0.15)” custom_margin=”||||false|false” custom_padding=”||155px|||” custom_padding_tablet=”30px||||false|false” custom_padding_phone=”1px||||false|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” top_divider_height=”200px” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_height=”150px” bottom_divider_flip=”horizontal|vertical” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”157px||||false|false” animation_direction=”top” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

      Some Tips to Help You<\/h2>\n
        \n
      • don\u2019t shop when you\u2019re tired \u2013 it\u2019s harder to think clearly when you\u2019re tired<\/li>\n
      • don\u2019t shop when you\u2019re hungry \u2013 hunger can cause a variety of physiological responses that interfere with your ability to make clear and guided purchases<\/li>\n
      • shop without your children if you can \u2013 you won\u2019t have to consider their needs for a snack, drink or washroom break, allowing you to keep your energy focused on sticking to your plan<\/li>\n
      • don\u2019t shop during extreme moods \u2013 feeling very good or very down distorts your ability to make wise decisions \u2013 \u201cseeing the world through rose-coloured glasses\u201d can make price tags seem too good to be true<\/li>\n
      • don\u2019t shop when you feel extremely stressed \u2013 you need energy to make good choices and a high level of stress zaps your energy<\/li>\n
      • if you\u2019re not sure if what you are planning to buy is a need or a want, ask yourself if you can live without it – if you can, then it\u2019s most likely a want<\/li>\n
      • learn to remove yourself from situations that deplete your personal resources and leave you unable to resist purchases<\/li>\n<\/ul>\n
        \n
        \n
        \n
        \n

         <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

        Consider the Following Example<\/h2>\n

        You like to stroll through the mall on your lunch break. Often you pick up a few items when you do that; a card for your friend who\u2019s moving, a little gift for your sister who\u2019s having a rough time with her boyfriend, a t-shirt for yourself to wear this weekend. To help avoid these impulse purchases, decide ahead of time what else you can do on your lunch break that will keep you out of the mall. By taking the time to plan ahead, you will have more energy to find a different activity to do or a different place to walk. Work to find solutions at a time when you\u2019re able to devote energy to think about it; then be ready to put your plan into action!<\/p>\n

        We only have so much energy and personal resources to draw upon to maximize our ability to resist impulse purchasing. Our personal \u201cbattery,\u201d our energy reserve, wears out as we go through each day and week. Life happens; our family members and friends need our attention, our work makes demands of us, our personal calendar becomes full of commitments. To avoid impulse spending, learn how to charge your batteries, as well as re-charge them on short notice when necessary, so that you have the energy to make wise choices more often than not.<\/p>\n

        Finally, keep in mind that setting boundaries for yourself is a personal choice, not a punishment. Deciding on a spending plan and setting a budget that allows you to meet all of your monthly and seasonal expenses without incurring further debt, gives you personal freedom to make choices rather than set limitations which you may resent. When you are able to balance the money extremes effectively \u2013 too much spending versus too much saving, you are able to spend guilt-free and without shame or resentment, knowing that your needs are met. Just think how quickly shame, guilt and resentment can deplete your energy reserve and personal sense of control \u2013 it\u2019ll happen faster than signing on the dotted line!<\/p>\n

        Don\u2019t be discouraged if you don\u2019t quite know how to start \u2013 contact us and get help. Our counsellors are able to give you a confidential, unbiased and non-judgemental assessment of your financial situation as well as assist you with developing a plan that puts you in control of your money.<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”140px||0px|||” top_divider_style=”ramp2″ top_divider_color=”#ffffff” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

        Impulse Spending Self Assessment Check List<\/h2>\n

        1. I impulse spend when I feel: ____________________________________________________________________________
        ____________________________________________________________________________ ____________________________________________________________________________<\/p>\n

        2. I impulse spend because: ____________________________________________________________________________
        ____________________________________________________________________________ ____________________________________________________________________________<\/p>\n

        3. While I\u2019m spending money I think about: ____________________________________________________________________________
        ____________________________________________________________________________ ____________________________________________________________________________<\/p>\n

        4. After I have spent money, I\u2019ve noticed that I feel: ____________________________________________________________________________
        ____________________________________________________________________________ ____________________________________________________________________________<\/p>\n

        5. I feel that I should manage my money better: yes no sometimes<\/p>\n

        6. When I spend impulsively, I leave myself short of money to pay my regular expenses: always usually often sometimes rarely never<\/p>\n

        7. I recognize that I need personal energy to make wise spending choices: yes no maybe<\/p>\n

        8. From the list of tips for maximizing my personal energy listed on page 4, I will try:
        a. _________________________________________________________________________ ___________________________________________________________________________<\/p>\n

        b. _________________________________________________________________________ ___________________________________________________________________________<\/p>\n

        9. My stress level in general is: very low \/ low \/ moderate \/ medium \/ high \/ extreme<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA 2 – Get started” _builder_version=”4.16″ background_enable_color=”off” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg” parallax=”on” parallax_method=”off” max_width=”100%” custom_margin_tablet=”||||false|false” custom_margin_last_edited=”off|tablet” custom_padding=”347px||1px||false|false” custom_padding_tablet=”220px||1px||false|false” custom_padding_phone=”180px||||false|false” top_divider_style=”ramp2″ top_divider_color=”#e4f8e0″ top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”70px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”60px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row admin_label=”CTA Components” _builder_version=”4.8.2″ background_enable_color=”off” z_index=”0″ width=”60%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height=”500px” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”-6px|auto|-140px|auto|false|false” custom_margin_tablet=”1px||-340px||false|false” custom_margin_phone=”||-300px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”60px||0px||false|false” animation_direction=”top” global_module=”11243″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading Line 1″ _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.7)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

        Do you have questions?<\/p>\n

        [\/et_pb_text][et_pb_text admin_label=”Heading Line 2″ _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

        Get debt help now<\/p>\n

        [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

        If you’re struggling and are wondering how to move forward, give us a call. We’re happy to answer your questions and help with any financial advice you need. It’s possible that all you need at the present time is the right information or a plan for how to move forward once your situation improves. Give us a call if you have any questions. Speaking with us is always free, confidential and non-judgmental.<\/p>\n

        [\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Call Us” button_alignment=”center” _builder_version=”4.17.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_color=”#2AD13D” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_color__hover_enabled=”on|desktop” button_border_color__hover=”#2AD13D”][\/et_pb_button][et_pb_text admin_label=”Extra Space” _builder_version=”4.16″ background_enable_color=”off” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|desktop” transform_translate=”0px|-350px” transform_translate_tablet=”0px|-380px” transform_translate_phone=”0px|-430px” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”-1″ max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|tablet” min_height=”385px” min_height_tablet=”430px” min_height_phone=”470px” min_height_last_edited=”on|tablet” animation_style=”fade” animation_duration=”2000ms” animation_delay=”6500ms” hover_transition_speed_curve=”ease-in” transform_styles_tablet=”” transform_styles_phone=”” border_radii=”on|8px|8px|8px|8px” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Related Topics” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”1px||||false|false” custom_padding=”70px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

        Related Topics<\/h2>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg” alt=”getting rid of debt” title_text=”getting-rid-of-debt” _builder_version=”4.16″ border_radii=”off|8px|8px||” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

        Getting Rid of Debt<\/h3>\n

        We’re happy to help you figure out your options. There are more than you might think.<\/p>\n

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        Financial Calculators<\/h3>\n

        A picture can tell a thousand words. Manage money better when you see how you stack up.<\/p>\n

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        Track Your Spending<\/h3>\n

        An essential part of building a budget is tracking how much you actually spend. Here’s how.<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n