How To Avoid Holiday Overspending | NBC News Now

UP >>> AND STEPHANIE RUEHL HAS TIPS >>> AND STEPHANIE RUEHL HAS TIPS FOR SPENDING ON BETTER BUSINESS

FOR SPENDING ON BETTER BUSINESS >> I’M STEPHANIE RUEHL >> I’M STEPHANIE RUEHL THIS IS BETTER BUSINESS THIS IS BETTER BUSINESS

TALKING ABOUT THE ACCESS, I GET TALKING ABOUT THE ACCESS, I GET IT IT IT HAPPENS TO ALL OF US IT HAPPENS TO ALL OF US DO NOT WORRY, WE’RE HERE TO DO NOT WORRY, WE’RE HERE TO BREAK DOWN ALL OF IT RIGHT NOW BREAK DOWN ALL OF IT RIGHT NOW AND HELP YOU OUT

AND HELP YOU OUT WHEN YOU’RE STRESSED OR BUSY OR WHEN YOU’RE STRESSED OR BUSY OR YOU SEE A REALLY GREAT SALE YOU YOU SEE A REALLY GREAT SALE YOU WANT TO SPLURGE, I KNOW, YOU’RE WANT TO SPLURGE, I KNOW, YOU’RE LOOKING FOR A WAY TO TREAT LOOKING FOR A WAY TO TREAT YOURSELF YOURSELF DON’T GET ME WRONG YOU DESERVE A DON’T GET ME WRONG YOU DESERVE A REWARD, BUT GIVING IN TO THE REWARD, BUT GIVING IN TO THE SPLURGE MENTALITY CAN PUT YOU SPLURGE MENTALITY CAN PUT YOU INTO HOT WATER INTO HOT WATER

OH, I’M A SPLURGE SPENDER, OH, I’M A SPLURGE SPENDER, THAT’S HOW I LIVE THAT’S HOW I LIVE THAT’S NOT A GOOD WAY TO LIVE THAT’S NOT A GOOD WAY TO LIVE BUT HERE ARE SOME TIPS TO STAY BUT HERE ARE SOME TIPS TO STAY IN THE CLEAR

IN THE CLEAR FIRST THING, KNOW WHERE YOUR FIRST THING, KNOW WHERE YOUR MONEY IS GOING MONEY IS GOING IF YOU DON’T GET THAT IF YOU DON’T GET THAT STRAIGHTENED OUT FIRST, YOU STRAIGHTENED OUT FIRST, YOU CAN’T MAKE MEANINGFUL CHANGE CAN’T MAKE MEANINGFUL CHANGE

LOOK BACK AT THE OLD CREDIT CARD LOOK BACK AT THE OLD CREDIT CARD STATEMENTS AND KEEP AN EYE ON STATEMENTS AND KEEP AN EYE ON WHAT YOU’RE BUYING AND FIGURE WHAT YOU’RE BUYING AND FIGURE OUT WHERE EXACTLY YOU’RE OUT WHERE EXACTLY YOU’RE SPENDING YOUR HARD EARNED MONEY SPENDING YOUR HARD EARNED MONEY IF YOU LOOK BACK ON LAST MONTH’S IF YOU LOOK BACK ON LAST MONTH’S CREDIT CARD STATEMENT AND YOU CREDIT CARD STATEMENT AND YOU REALIZE THE MAJORITY OF YOUR REALIZE THE MAJORITY OF YOUR MONEY IS GOING TO ONLINE FLASH MONEY IS GOING TO ONLINE FLASH SALES YOU LOOK AT DURING THE SALES YOU LOOK AT DURING THE LUNCH HOUR OR COFFEES OR LUNCH HOUR OR COFFEES OR UBER-RIDES, YOU DIDN’T SAY I’M UBER-RIDES, YOU DIDN’T SAY I’M WORKING SO I CAN SPEND A LION’S WORKING SO I CAN SPEND A LION’S SHARE ON HOT PINK LEATHER PANTS SHARE ON HOT PINK LEATHER PANTS THAT ARE 80% OFF THAT ARE 80% OFF THAT’S NOT WHAT YOU WANT TO DO

THAT’S NOT WHAT YOU WANT TO DO NEXT TIME YOU GO TO BUY YOURSELF NEXT TIME YOU GO TO BUY YOURSELF SOMETHING, ASK YOURSELF WHY SOMETHING, ASK YOURSELF WHY DO I REALLY NEED THIS AND THE DO I REALLY NEED THIS AND THE YOURSELF IS THIS A REALLY GOOD YOURSELF IS THIS A REALLY GOOD DEAL DEAL

ARE YOU SHOPPING BECAUSE YOU’RE ARE YOU SHOPPING BECAUSE YOU’RE UPSET, ANGRY, BORED? UPSET, ANGRY, BORED? SO YOU REALLY NEED WHATEVER YOU SO YOU REALLY NEED WHATEVER YOU ABOUT ABOUT TO BUY? ABOUT ABOUT TO BUY? THE THING ABOUT MONEY IT’S THE THING ABOUT MONEY IT’S EMOTIONAL EMOTIONAL DO NOT GO TO THE GROCERY STORE DO NOT GO TO THE GROCERY STORE HUNGRY HUNGRY YOU NEED TO ASK HOW YOU’RE YOU NEED TO ASK HOW YOU’RE FEELING BEFORE YOU SWIPE THE FEELING BEFORE YOU SWIPE THE CREDIT CARD

CREDIT CARD AND TAKE A FEW MINUTES TO THINK AND TAKE A FEW MINUTES TO THINK ABOUT YOUR VALUES AND WHETHER OR ABOUT YOUR VALUES AND WHETHER OR NOT THOSE SPLURGES ARE IN LINE NOT THOSE SPLURGES ARE IN LINE WITH THOSE VALUES WITH THOSE VALUES DO YOUR SPLURGES MAKE BETTER DO YOUR SPLURGES MAKE BETTER LONG TERM DECISIONS OR THEY’RE A LONG TERM DECISIONS OR THEY’RE A FEEL GOOD MOMENT? FEEL GOOD MOMENT? TAKE THE SHOPPING URGES AND TAKE THE SHOPPING URGES AND START TO SAY, IS THIS A BAND-AID START TO SAY, IS THIS A BAND-AID OR SOMETHING ELSE? OR SOMETHING ELSE? IF IT’S A BAND-AID IT AIN’T A IF IT’S A BAND-AID IT AIN’T A CURE CURE

FINALLY PUT YOURSELF IN A PLACE FINALLY PUT YOURSELF IN A PLACE WHERE YOU’RE SET UP FOR SUCCESS WHERE YOU’RE SET UP FOR SUCCESS IF YOUR SPOT IS SPENDING TOO IF YOUR SPOT IS SPENDING TOO MUCH AT THE GROCERY STORE, MAKE MUCH AT THE GROCERY STORE, MAKE A LIST AND STICK TO IT A LIST AND STICK TO IT IF YOU’RE ABOUT TO BUY A BIG IF YOU’RE ABOUT TO BUY A BIG TICKET ITEM, BEFORE YOU BUY IT TICKET ITEM, BEFORE YOU BUY IT SEE IF YOU CAN PUT A 48 HOUR SEE IF YOU CAN PUT A 48 HOUR HOLD ON THAT PURCHASE AND THINK HOLD ON THAT PURCHASE AND THINK IT OVER FIRST OR TRY MY PERSONAL IT OVER FIRST OR TRY MY PERSONAL FAVORITE

FAVORITE ONLY SPEND THE AMOUNT OF MONEY ONLY SPEND THE AMOUNT OF MONEY YOU HAVE IN YOUR POCKET YOU HAVE IN YOUR POCKET YOU’RE ABOUT TO GO OUT WITH A YOU’RE ABOUT TO GO OUT WITH A BIG NIGHT WITH YOUR GIRLFRIENDS BIG NIGHT WITH YOUR GIRLFRIENDS PUT MONEY IN THE POCKET AND WHEN PUT MONEY IN THE POCKET AND WHEN YOU HAVE NONE LEFT IT’S TIME TO YOU HAVE NONE LEFT IT’S TIME TO GO HOME GO HOME

YOU DON’T WANT TO WAKE UP THE YOU DON’T WANT TO WAKE UP THE NEXT DAY WITH A HANGOVER AND A NEXT DAY WITH A HANGOVER AND A BIG CREDIT CARD BILL BIG CREDIT CARD BILL DO NOT FORGET TO SET UP SMALL DO NOT FORGET TO SET UP SMALL REWARDS FOR YOURSELF WHEN YOU REWARDS FOR YOURSELF WHEN YOU ACTUALLY STICK TO THE PLAN ACTUALLY STICK TO THE PLAN BECAUSE YOU EARNED IT BECAUSE YOU EARNED IT YOU SHOULD HAVE WINS

YOU SHOULD HAVE WINS A DIET DOESN’T MEAN THAT YOU’RE A DIET DOESN’T MEAN THAT YOU’RE SUFFERING SUFFERING IT JUST MEANS PUTTING YOURSELF IT JUST MEANS PUTTING YOURSELF IN BETTER FINANCIAL STRAITS IN BETTER FINANCIAL STRAITS

THAT’S MY BETTER BUSINESS THAT’S MY BETTER BUSINESS THOUGHTS FOR THE WEEK

Source: Youtube