I found Carl Richards’ articles on the New York Times website and have been enjoying reading through them.
Carl is a certified financial planner and author of two books, both of which I’m reading at the moment, courtesy of my local library.
Richards excels at making financial principles very simple. So simple they can be drawn with Sharpie on a cocktail napkin.
Bad habits are tricky. They sneak up on you. Before you know it, you’re doing something that you didn’t really think about because you do it out of habit.
We do this all the time with money. We spend for all sorts of reasons. It can be as simple as to make us feel better, to fit in with a group or just because we’ve always gone shopping the day after Thanksgiving.
Sometimes breaking these bad habits takes radical action. It’s not enough to have a few conversations with a spouse, a personal coach or a shrink. Some habits require a complete intervention.
Read more here: try a spending cleanse.