The Holidays are on the way! And it’s a great time to take control over unhealthy spending habits! This is the time of the year when we spend the most money shopping. Women are big shoppers anyway even without a holiday. We shop for ourselves, we do the shopping for the household and we shop for our children and families. It’s a blessing, to be able to shop. That being said, what causes spending habits to be unhealthy?
Spending habits are unhealthy when it causes you to have stress and anxiety about paying your bills. For me it kinda takes the fun out of it if I’m worried about finances. So what can you do? Remove the stress in your life by not overextending yourself. This is something you can get control of with time, patience and consistency. This season let your focus be your family and the blessings of the Lord instead of stressing about the ton of bills that the new year will bring with it.
Maxing out your limit and paying the minimum on credit cards. It costs you the most interest and lowers your credit score. You’re almost guaranteeing yourself that you will never be out of debt. The goal is to build credit by paying bills on time, before time and keeping the balance due down.
Shopping without a plan. You go to the mall armed with credit cards or lots of cash, or both, and no plan. Just you and your money being tossed to and fro never keeping account and spending like there’s no tomorrow. Make a list of what you intend to purchase at what store. You know what you’re going out to buy. Stick to the plan.
Avoid last-minute purchases that make for impulsive shopping. If it’s last-minute you don’t have time to think it through or shop for deals. So you want to avoid impulsive shopping.
There’s always another sale. Buy now! Shop before it’s too late. Lies! Don’t buy into the lie that you’ll never see a sale like this again. Especially at holiday time. There are store marketers who stay up nights putting together the perfect sales to get you into the store.
- Be Smart. Make a list monthly of what is coming in and how much has to go out. After expenses what you have left is what you keep. Each month will be different because of life’s unexpected incidences … a child may get sick, car repairs, etc… Your knowledge of your situation is most important because how can you control your spending if you’re not keeping account of what you have. Also it’s biblical to be good stewards of the resources God gives us. If you want God to increase you, you have to do well with what you have. Luke 16:10, Amplified Version: “Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.” My husband is very good at this, he’s a very good money manager. It’s great because it’s his job as head of the house. “Listen up independent ladies” It doesn’t matter how much money I make it does not change his “position” as head of the house. God has placed him in leadership! I love a man in charge!
- Start Saving! If you already are great! Keep it up! If not get started. If you’re constantly removing and never putting anything back it will result in a deficit. You should be saving now right up until retirement. Checking and savings go hand in hand. Checking account is for expenses. Savings account is money you keep. Start small and build. If people in the depression can save so
- Make a realistic budget and live within your means. You can’t just always spend more than you have and hope that things will work out. Make a promise to yourself that you will no longer set yourself up for disaster. Create a budget that has breathing room for fun. Fun doesn’t have to mean something big and expensive. Whether you have a family or are single there has to be some recreation. Maybe on the weekends the family likes to go bowling for instance. Or you’re single and you treat yourself to a movie at the mall and some window shopping. Write the vision and make it plain, Habakkuk 2:2
Mom is an awesome resource! She’s a resource of love, caring, understanding, and wisdom. God created her to be a resource to her family. In the modern world we live in, mom’s role often extends outside the home to career and community. It’s a lot of different hats to wear and can get very tiresome trying to be all things for everyone. At the same time it’s extremely fulfilling and rewarding for those that relish being a mom!
One of the drawbacks is that you can be so focused on others that you often neglect yourselves. The result of that is a mom who is exhausted and resentful. Can’t have that! Mom’s need nurturing and caring too. Moms must treat themselves well as a lifestyle. There needs to be time that is set aside just for you. Non guilty, uninterrupted time. Location or finances is not important. It can be time to yourself in your own home. But you need mom downtime to regenerate, otherwise you’ll just be burned out. We want mom happy, we want mom healthy, beautiful, and radiant! Let’s learn the art of relaxation for Mom!
If you are able to get away to the spa at least once a month for a complete day that’s awesome, I highly recommend it. They have various treatments and massages to relax and pamper you. This is of course aside from your regular pedicures and manicures. A woman has a lot of maintenance and when a woman takes care of herself it shows.
DIY home spa. Spa atmosphere is about creating a mood to relax you. That means peace and quiet and time for yourself for whatever block of time you allow. If it’s just an hour or two. It’s not relaxing if the kids are banging on the door. So this time alone thing will take some planning but be well worth it. You can give yourself a pedicure at home with the foot spa. They are only about $20 or $30. I think it’s great to have a foot spa at home anyway to take care of your own feet between salon visits.
Get a facial. Facials are great, they clean and replenish the skin removing dead cells and revealing a fresher layer of skin.
Catch up on your sleep. Sleep deprivation causes premature aging.
A mom at peace and relaxed is a better mom.
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