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Help I’m Spending and I Can’t Get Up!

Ways to stop overspending in retirement.

  1. Create spending plan. Stay in it for month. Test-drive it before retirement. Journal what you spend. Journaling what you spend is key to understanding how you spend. (This works for dieting as well)
  2. Put your goals on a calendar! Treat yourself when you get there.
  3. Auto pay bills from checking account, and then make a pile of those bills. Visualizing a big pile will make much more of an impact.
  4. Emotional spending can attack at random. When you are journaling make a note your state of mind. Happy, sad, and angry.
  5. Realize it may take time to quell this problem. This may not require the Band-Aid approach. Some people need to ease into controlling spending.
  6. Help from a trusted advisor. There may be money you are spending and can eliminate without hurting your lifestyle.
  7. Professional therapist. There may be deeper issues here. This may be a huge step for some people. There may be some emotional compulsive habits here to tend.
  8. Leaning on people, Friends and Family. No one is an island. A dear friend might be all the help you need to run over goals with. If you tell them the dates and goals in general terms it will make you even more accountable.
  9. Realize, it’s math. It can be done or not. Realize if the math says it can be done, it can!
  10. Release… If it cannot be done and the ends of the rope won’t meet: pray, meditate, talk, ask for help from family and friends, and charity. But know yourself worth has nothing to do with your net worth. You are not alone.

“Do or do not. There is no try”~Yoda

Disclosure

Advisory services offered through Investment Advisors, a division of ProEquities, Inc., a Registered Investment Advisor. Securities offered through ProEquities, Inc., a Registered Broker-Dealer, Member FINRA and SIPC).
Clark Associates Financial Planning, Inc. is independent from ProEquities, Inc.

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