The first meeting with Sharon began with a deep conversation about how my feelings of being deprived could interfere with any progress in changing my spending habits. And it took more than one conversation—the topic of feeling deprived was revisited each time we met!
Over several sessions, we created a chart of fixed and discretionary expenses. It took numerous iterations and serious thinking, but we came up a spending plan that balanced my needs and wants and a debt repayment plan. Once I saw that I could realistically pay off my ballooning credit card debt, I was inspired to keep to my spending plan. Making a switch from a credit card to a debit card wasn’t easy, but it kept me focused on keeping my spending agreements. I scheduled weekly appointments on my calendar to attend to financial tasks. As the months went by, I continued to meet with Sharon for encouragement and problem solving. My thinking and decisions gradually became more constructive and supportive of my financial future. Sharon says I’m becoming as wise about money.
Claudia’s troubled money past had to be honored and worked with in order to move forward. Showing great determination to shift her spending decisions, she continues to use techniques and strategies to keep her on track. Her favorite one, when contemplating a purchase, is to take a breath and ask softly, “Is this a NEED or a WANT?” She is clear about the difference and acts accordingly.