5 Ways to Avoid Stupid Spending Decisions

While most people like to blame their financial troubles on a lack of money, more often than not the real issue is spending.

The vast majority of the things you own are wants, not needs. Beyond shelter, food and some items such as transportation to work so that you can earn money, almost everything is a want.

There is absolutely nothing wrong with wants, and you might be able to afford many small luxuries. If, however, you find that you are currently carrying credit card debt, the cause is likely that you are spending too much on unnecessary items and need to come up with an easy-to-follow plan to help reduce the amount you purchase. ...