Do you end up spending way too much money at this time of year? Racking up a bunch of debt? Stressing out about what to buy for gifts? You are not alone!
I'm sure you are already being bombarded by email deals for Black Friday, Small Business Saturday and Cyber Monday. Some of these deals are fantastic, but it helps to have a plan before you shop. If you know what you specifically need it will help much like when you spend less at the grocery store when you have a list.
Pause before each purchase and think what would JoAnn do? I am partially kidding there, but many of my clients and other people in my community say I am often in their head.
Ask yourself the following questions:
These happen to be the first two questions I recommend you ask yourself when decluttering. If you answer know you both then it is just clutter. It really is that simple.
Buying a gift because you...