I’m probably going to upset the apple cart with this, but I’m not much of an “Oprah disciple.” Then again, I’m just not much for TV talk show hosts. Maybe it’s all gotten a little too sensational for me. Whatever the case, I tend to shy away from those TV folks trying to give me advice and tell me how to live my life. I figure I have better resources right here if and when I need them.
Question: I blew it again and have overspent on Christmas. I keep telling myself I will not do this again, but I keep doing it. What can I do? I am really bummed.
Answer: I appreciate the fact that you feel badly about overspending. But remorse is a poor substitute for responsibility. Unless you do something substantive to change your habits, you are very likely to do the same thing again next year. And again, you’ll feel badly about what you did — and owe just a bit more on your credit cards than you did this year.