Increase cash flow and reduce debt!

The reasons we spend are as varied as we are. Some people love to spend money on outward appearance such as clothing and jewellery in order to have the appearance of wealth and beauty. While others are carefree spenders who live in the moment and tend to have a child like attitude towards spending and controlling their finances. Givers like to make a difference and don’t hesitate to give money they can not afford to give. Just like the  link between spending and over eating these behaviors are all related to self esteem.

Jot down how you feel when you have gone out and made purchases you can not afford. Maybe you were feeling bored while others spend when they  are driven by an inability to relax. Until you understand why you spend you will be unable to change your behavior. Making budgets, spending less and saving more will NOT work unless you first correct the addictive behavior!

There is a great book written by Stephanie Holmes-Winter that will give you the tools to understand the reasons why you spend and specific tactics to help you gain control of your finances.

Stephanie says that: $pent will reveals how we all make money-related decisions based on our personality traits. Full of non-judgmental advice, $pent is geared to specific personalities and shows you how to use your personality strengths to increase your cash flow and reduce debt.

Here is a look at Chapter 2

To order the book



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