You probably know that it's a good idea to make a budget and stick to it. And maybe you're usually pretty responsible with your income. But . . . Have you ever turned on yourself and transformed into the Spending Monster?

Beware bad spending

How the Horror Happens

Unfortunately, this Madness can overtake even the most mild-mannered of shoppers and a full moon doesn't even have to be present. There you are. You're walking through the mall, minding your own business, maybe planning your next nutritious and economical meal that you'll be eating at home.

And, suddenly, you see them: Your Perfectly Impractical and Extremely Overpriced Dream Shoes. Your eyes turn into saucers. Your tongue lulls. You start to drool. You're a slavering and unrecognizable version of your usual self.

You go for your nearest credit card, which is helpless and can do nothing to defend itself. A tiny voice in your head is trying to scream, “No! Don't do it! Pleeeaaase!” You let out an inhuman snarl to make the voice go away. You buy the shoes. And your rampage doesn't end there . . . You're going to need a dress to match!

When your credit card bill comes, you can only ask yourself, “What happened?” You shake your head and experience a vague memory of weird and wanton binging. In spite of your typically good behavior where money is concerned, will you always be a slave to random appearances by the Spending Monster? No. You're going to step back, think and take action.

Beware bad spending

Don't Feed the Beast

Does your Mr. Hyde really show up so randomly? If you take a look at the Spending Monster's habits, you'll probably find that the creature comes around when you're stressed out over something. If you've had a bad day, experienced a sudden change in anything or have started something new, you may have gone a bit bonkers and made an irrational purchase. So, moving forward, if you're feeling tense, nervous or distressed, try not to be in a place where bad spending might happen. In other words, don't go to the mall if you feel bad.

Try this, put your credit card in a plastic freezer bag full of water and seal it. Put the filled bag into the freezer. This will literally FREEZE your credit card, so if you think that you want to buy something, you'll have to thaw the ice first. You'll be forced to ask yourself, “Is it really worth the effort?”

Start Mending Any Damage That Was Done Right Now

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