Our Blog

Sharing Overshopping Insights

Helps You, Friends & Family

  • Your Money Neuro Track
    I’ve been a fan of Neuroscience for a few years now. It not only appeals to my inner geek, but it assists me in being the best coach possible for my clients. Did you know that our Amygdala, that has served us well since the dawn of time when it helped us decide on fight or flight, now doesn’t serve us quite so well?  Very simplistically, if we are bitten by a dog while talking about money, our Amygdala may decide that money is pretty scary.  When we hear the word, it will tell us to RUN. Neuron Paths In… Continue reading Your Money Neuro Track
  • Willful Money Blindness & Social Pressures
    “Surely, consumers argue, tanning salons wouldn’t be allowed if they were harmful – would they?”  This is an example of social validation that Margaret Heffernan covers in her book Willful Blindness.  Even though both The U.S Department of Health and Human Service, plus the International Agency for Research on Cancer both state that tanning beds have known carcinogens people continue to use them. Nearly 30 million people tan indoors in the U.S. annually. A tan still represents leisure and wealth in North America to many people. So people put themselves in harm’s way by using tanning beds or laying outside all summer,… Continue reading Willful Money Blindness & Social Pressures
  • The Raw Effect Of Money Secrets On Love & Marriage
    Many couples don’t want to talk about money. The reasons run from “It will ruin the romance” to “I don’t want to rock the boat”. Love and marriage are perceived as pure, hopeful, and precious – and money is often considered dirty, callous, or controversial. Here is why this thinking is completely wrong, and how your love is already in trouble if you think this way. What is Love? Why do We Marry? When we love, we value a partner’s strengths and see how they complement our lives. We also see our partner’s vulnerabilities, and love them even more. Many… Continue reading The Raw Effect Of Money Secrets On Love & Marriage
  • Saving: 3 Reasons It Won’t Be Deprivation
    Many of us think saving means deprivation, so we balk or rebel. For most of you, I can guarantee it won’t be deprivation. How can I be so sure you ask? It’s because of these 3 reasons: Auto-Pilot Expenses That No Longer Serve You Over our lifetime, we build spending patterns. They often form during milestones like our first job with real money, marriage, birth of a child. These auto-pilot behaviors can hang on too long, so you end up spending subconsciously in ways or on things you no longer use, and on brands that don’t align with your values. The “I… Continue reading Saving: 3 Reasons It Won’t Be Deprivation
  • Pregnant Women are Money Gold Mines
    Wow!  Out of all the things women think about when they’re pregnant, have you ever considered yourself to be a money target for retailers? Here’s why they target women & money, and how to stay grounded with disciplined money behaviors during this new phase of life. It’s hard enough to manage money throughout our busy, disruptive, exhausting days.  And good money habits might be anchored by other behaviors.  You might pay bills during Sunday morning coffee, or on pay day right before bed.  But what happens when your whole world changes? Willpower is a Hard-to-Find-Commodity In Charles Duhigg’s The Power of Habit, he… Continue reading Pregnant Women are Money Gold Mines
  • Not Saving? Not Your Fault – Blame Subconscious Money Attitudes
    We all have money attitudes of one nature or another. You may have heard your parents say over and over “don’t ask for things; you should be grateful for what you get”. Guilty words like this may discourage you from ever seeking a promotion at work.   Or “if you are a good person and do what’s right, money will take care of itself”. Sometimes care givers dangerously assume that somehow their money challenges will work out because they have given so much to the world.  Often sayings like these were meant to apply to a particular situation, but they become ingrained… Continue reading Not Saving? Not Your Fault – Blame Subconscious Money Attitudes
  • The Dirt on Building Good Money Habits
    The Chief Scientist of the Rodale Institute, Dr. Kristine Nichols recently lectured on the importance of our country’s soil, and how its structure is breaking down.  In a few decades we may be unable to grow food on many farms in this country. Apparently soil has a structure to it, including microbes that all work together. When disrupted, soil loses potency and effectiveness.  Dr. Nichols talked about dust bowls we experience in the mid-west now, that are similar to the 1930’s. She talked about flooding on farmland – not due to significant rainfall, but due to the lack of structure in the soil so… Continue reading The Dirt on Building Good Money Habits
  • Losing Money? : The $100,000 Noose Around Your Neck
    I just finished reading Rich Dad Poor Dad. And I enjoyed the contrarian viewpoint on money and what it should mean.  The suggestion that a house is a liability rather than an asset is thought provoking. Is a house just our emotion conquering our logical brain? Robert T. Kiyosaki, author of Rich Dad Poor Dad, sums up assets and liabilities as follows.  Assets should generate cash for you. Liabilities take your hard earned cash and don’t work for you at all. You in reality work for them. Traditionally, we have looked at our homes as an asset for both monetary and emotional reasons.… Continue reading Losing Money? : The $100,000 Noose Around Your Neck
  • Is Your Money Mindset No Longer Serving You?
    The word Mantra comes from the Hindu and Buddhist religions, representing a repetitive chant of word or phrase. For those of us in the North American culture, the use of mantra loosely refers to a set of beliefs or phrase tied to motivation. It’s our mindset.I interviewed a client a number of months ago, and it became clear she was strongly driven by “productivity”.  Productivity is a very North American word – something that our culture values. “Time is Money” comes to mind immediately.  However, sometimes a productivity mantra is too narrow. Here is an example of how my client’s… Continue reading Is Your Money Mindset No Longer Serving You?
  • Is Greed a Sign of Selfishness, or the Broken Trust of a Child?
    We all have money beliefs, formed during childhood.  We didn’t choose them. They just grew as we processed, experienced, and observed our small world. Often, they came from our parents, or a close role model. We may have adopted similar beliefs, or rebelled.  So here we are today, with our money beliefs. Greed Greedy people exist, and some of us associate money with the word.  This is a money belief, and can influence our behavior toward money.  We may not want to talk about it, because we may appear greedy. We may think that if we want or need more… Continue reading Is Greed a Sign of Selfishness, or the Broken Trust of a Child?
  • I Know I Need to Save Money! Why Can’t I Just DO It?
    If saving money were easy we’d all be doing it. And frankly, about 50% of the Boomer population hasn’t saved much at all. If you wish you were saving more, you belong to a VERY BIG club of like-minded people. That doesn’t mean we should let ourselves off the hook – we do need to plan for the future. But here’s why it’s so very hard. The Best Laid Plans…. Think of how often we visit our banker, talk to our investment advisor, or just sit down and assess our finances. Once a year? Once a month? Once a week… Continue reading I Know I Need to Save Money! Why Can’t I Just DO It?
  • How Fear Clouds Reality
    My clients are terrific. They are all unique with their own special gifts and ways of looking at the world. I learn something from each of them. And yet, the way they feel when they first come to me is so incredibly heartbreaking….and unnecessary.It takes incredible courage to admit that their financial situation isn’t where they’d like it to be, and to bear their souls about the inner most secrets of their financial lives. Just that alone is enough for me to want to wrap my arms around them and protect them from further hurt. Facades Fool BUT, here is… Continue reading How Fear Clouds Reality
  • Help Loved Ones by Putting Money Self-care on Your List
    Sometimes my clients move appointments further out this time of year. When the sun is shining, barbecues are scheduled, and summer camp is around the corner, life is a flurry of activity. There is hope and warmth and fun. Money has traditionally been last on their list, falling behind TV re-reruns and cleaning out the garage. Any reason is valid to avoid the shame, fear, or embarrassment that arises around money. We choose to live with the underlying hum of money anxiety rather than confront it in the open.  But what if we’re harming more than just ourselves? Would you… Continue reading Help Loved Ones by Putting Money Self-care on Your List
  • Have You Had….THE MONEY TALK?
    You know, where you sit down with your other half and bare all, or tell them that their money habits are driving you CRAZY?  Maybe one of you is a Saver, and the other a Spender.  The Saver thinks the Spender is out of control, while the Spender thinks the Saver is a tightwad. You sort of skirt the money talk to avoid confrontation and keep peace in the marriage. There’s only one problem. You touch money just about every day. If issues don’t get resolved they fester, and erode trust or patience. There is a better way! Merging Your… Continue reading Have You Had….THE MONEY TALK?
  • Have You Done the CVS Money Run with Her?
    Thanks to my colleague Tod for this title and question that prompted my thinking.  Tod has been dating a woman for about a year, and his friends inquired whether Tod had “done the CVS run with her yet?”  Tod sought clarification.  Apparently, it is a wonder that a woman can spend $200 in CVS in just minutes, and fit it all easily into her purse.  As a woman, this does not surprise me at all.  So why does it surprise men? Women Buy Most Family Items CVS major categories are beauty products, self-care, greeting cards, vitamins, over the counter medications,… Continue reading Have You Done the CVS Money Run with Her?
  • Financial Health or Financial Wealth?
    I’m ashamed to say that the first time I read the phrase Financial Health I actually read it as Financial Wealth.  That’s what 30 years of conditioning will do – train you to default to the same nomenclature and assumptions we toss around daily. In my mind, Financial Health as a target is so superior to Financial Wealth, and here’s why.  Financial Wealth has been defined over and over.  We have defined categories for millionaires, multi-millionaires, the +$500,000 category, etc.  These categories are talked about daily, and have become mainstream goals. Many people aspire to the almighty MILLION.   Shake Up… Continue reading Financial Health or Financial Wealth?
  • Final 5 Money Behaviors– Do You Rate This Well With Your Own Cash?
    As mentioned in my last blog, these behaviors come from Sarah Fallaw of Data Points. She created a Household Cash Job Description, which is a simple, brilliant way of defining specific money behaviors so we can stay focused on what counts.  Financial literacy is part of it, but not all of it, which explains why many people in financial services don’t manage their money particularly well either. Ever heard of the man who makes $2 million a year and wants to retire by 35? He has one small challenge – he spends $3 million a year. Yep. Believe it. We… Continue reading Final 5 Money Behaviors– Do You Rate This Well With Your Own Cash?
  • Enough Money: A State of Mind or Fact?
    People often use the phrase “If I could just make enough money life would be better”.  It’s a myth for most of us other than those who spend every penny on food and rent to survive. Why? Because this is a money attitude, not a money fact.  And money attitudes stay with us until we experience a life-changing event that changes our perspective, or we deliberately work on changing that belief.  Andrew Caspersen, Wall Street millionaire demonstrates the point. The Millionaire Who Doesn’t Have Enough Most of us are capable of saving within whatever income we make. But it’s natural to subconsciously slip into… Continue reading Enough Money: A State of Mind or Fact?
  • Do You Use Money or Does It Use You?
    Carl Richards is a Financial Planner in Utah and is also known as Sketch Guy, a regular contributor in Business Day.  His February 2015 article Rethinking Money, Not as Good or Bad but as a Tool in Business Day really caught my eye.  The reason? He changed his way of thinking about money. And he’s hit the mark. Money is tied to emotional baggage – status, guilt, dreams, worry, you name it.  We develop attitudes and emotions toward it throughout our lives, and we’re all different.  This emotional baggage affects our behaviors and decisions, and sometimes even rules our lives. As Carl… Continue reading Do You Use Money or Does It Use You?
  • Do You Trade Happiness for Money? Maybe a Little?
    My colleague, Stacey Francis is CEO & President of Francis Financial.  She is also Founder of Savvy Ladies, a non-profit organization that spreads free financial information to women.  As with many of us who are in the money business, we have stories that drove us here.  These stories are personal and emotional. Here is Stacey’s: This video is courtesy of Nice Shoes, sharing a snapshot of Stacey and her personal motivation to help women. Click Reebok Below. When Money Wins Stacey’s grandmother stayed in an abusive relationship because she didn’t have enough money to survive alone. This reason still exists today – people who… Continue reading Do You Trade Happiness for Money? Maybe a Little?
  • Do You Plan your Money like You Plan a Vacation?
    We’re going on vacation. Let’s pack.  > Where you ask? Why does it matter?  Oh I see.  You want to know what to pack.  Well, it’s very warm there…. > Hotel or Tent? Hiking or Pool side?  Um, a wonderful hotel with sports and a pool. Why?  You’ll bring your pretty sandals and dinner dresses but not your big hiking boots.  Got it. > Is it a domestic or foreign trip?  Oh yeah, good question. We’re going to South America. Why?  We’ll need foreign currency and passports. Right – good reminder.  > How long are we staying?  Well, I guess… Continue reading Do You Plan your Money like You Plan a Vacation?
  • Do You Have Successful Money-Life Balance?
    Money-Life Balance means taking money off a pedestal, and putting your happiness on it.  It means fulfilling your life, instead of pursuing the almighty dollar.   It means spending enough to enjoy life today, and saving enough to enjoy life tomorrow. So, what does money life balance look like? Since it is different for each of us, how do we begin to think about that balance for ourselves? Our Head Our head is the logical side of money. It’s where we build our personal and business goals for life.  Our head helps us keep “our eye on the prize” – what we spend… Continue reading Do You Have Successful Money-Life Balance?
  • Divorce Series Part 4: Start 3 Months BEFORE You Start the Divorce Process
    If you decide to initiate the divorce process, take the time to research all your finances thoroughly. Once your intent to divorce is verbalized, the emotional roller coaster begins. Hopefully it doesn’t include the hiding of assets or deceitful misrepresentation.  Even if you don’t understand what you’re looking at, finding information can be very helpful for you.  Your lawyer and Certified Divorce Financial Analyst will know what to do with it all.  See a basic divorce preparation checklist below: 3 Years Tax of Returns. They show income from assets that exist, capital gains/losses on assets sold, brokerage fees deducted on portfolios,… Continue reading Divorce Series Part 4: Start 3 Months BEFORE You Start the Divorce Process
  • Divorce Series Part 3: The 3 Biggest Financial Mistakes You Can Make
    The list of potential financial mistakes made while divorcing can be extensive. It is an exhausting, emotional time for everyone. Every money decision is emotional to begin with, and this stress just adds to the mix.  Divorce and finances can become complicated and dividing assets can be complex, which is why the finance industry CDFA © designation exists. Long ago, lawyers used to divide assets on a spreadsheet. But as finances grow in complexity, it is important to talk with your accountant on how to prepare for divorce financially and to have a CDFA do the work for you. Here are 3 of… Continue reading Divorce Series Part 3: The 3 Biggest Financial Mistakes You Can Make
  • Divorce Series Part 2: How Can a Certified Divorce Financial Analyst Help You?
    A Certified Divorce Financial Analyst (CDFA©) is an industry designated financial expert on helping divorcing couples understand how the financial decisions they make could impact their future. A CDFA is part of the divorce team. Think of the lawyer as the strategist – they are experts on the law and hired to represent your overall interest when it comes to child custody and financial matters.  The CDFA supports the lawyer by helping you understand where you spend your money today, how it will change when you separate, and how it could further change in the future. We: Work with you to collect… Continue reading Divorce Series Part 2: How Can a Certified Divorce Financial Analyst Help You?
  • Divorce Series Part 1: Choosing the Style that Fits You
    In order to be the best Money Coach possible to my clients, a well-rounded understanding of all milestones you might face is crucial. I’m pleased to say I’m now a Certified Divorce Financial Analyst and I am going to share some of the basics to help you start on the right foot if you are wondering how to divorce. Divorce is devastating. Despite the fact that only 5% of divorces are litigated (IDFA), emotions can run high. And the fear of living on less than the combined household income has its own set of challenges. Money decisions are emotional on… Continue reading Divorce Series Part 1: Choosing the Style that Fits You
  • Dishing on Couple’s Money with Mrs. & Mr. Tomato
    Thanks to Cheryl and Stu Benton for willingly ‘baring all’ on their money beliefs, and how they found common ground as a couple. Here is their story. If you’ve ever talked with Cheryl, her intelligence is evident. She had the guts to build an ad agency which was purchased by a larger company, and then started The Three Tomatoes. Women listened and her newsletter “The Three Tomatoes” continues to grow. Cheryl grew up in a fun family. Sometimes the family had a little money, sometimes a lot. They were taught to live life to the fullest. Cheryl developed optimism toward… Continue reading Dishing on Couple’s Money with Mrs. & Mr. Tomato
  • Cash in the High Stakes Moment
    My husband commented that I should check my tires since one in particular seemed a little deflated.  I never look at my tires -never thought to – unless of course one goes flat on the way to a really important meeting while I’m in my best suit. Then I’d notice. The mundane chore was fit into my schedule a week later when I got around to it.  The exercise shocked me.  If You Don’t Look, You Don’t See Visually assessing my car before I get into it was never a discipline I’d learned.  All my tires were below the desired… Continue reading Cash in the High Stakes Moment
  • Build Tiny Money Habits to Achieve Big Success
    Professor B.J. Fogg has a fun approach to changing habits. He has a program called Tiny Habits, and the concept is a simple way to ease you into new money habits.  This blog includes excerpts from an article on B.J. Fogg in Success.com. B.J. Fogg’s concept of Tiny Habits basically teaches you to break down your BIG Goal into tiny little actions that will build toward the big one.  For example, let’s say you’re not great at paying your bills on time, and you incur interest charges because life just gets too busy.  So your BIG GOAL would be to pay… Continue reading Build Tiny Money Habits to Achieve Big Success
  • Behavior Change at Lululemon – Just in Time
    It took the Lululemon sales consultant AND my husband to talk me out of a money behavior that was so very hard for me to resist. And I sought their help to do it. Our money beliefs can be pretty hard-wired.  Whether we are a spender or a saver; we value status or find money a distasteful subject – these attitudes formed starting in childhood.  It’s hard to break our natural inclinations; but we can change the behaviors that result from our beliefs, and achieve behavior change. I needed a new pair of workout tights for the gym.  My husband gave… Continue reading Behavior Change at Lululemon – Just in Time
  • Are You Tying the Knot for the Second (or third) Time?
    “I wish I discussed finances before I got married last time.” Sound familiar? Did you know past statistics have shown that in the U.S. approximately 50% percent of first marriages, 67% of second, and 73% of third marriages end in divorce?* Not surprisingly, a major cause of divorce in marriages is money. *  You’ve found that special someone (again) but, you’re still trying to figure out how you talk about the “M” word without ruining the romance. You know it’s smart to work together, but where do you start? Building a solid foundation of communication and partnership around managing your money… Continue reading Are You Tying the Knot for the Second (or third) Time?
  • Are You in the Right Tribe? 3 Key Indicators
    “Tribe” is a new word, and a very old word. It’s used a lot in the women’s networking world – “finding your tribe”. This blog came to me after finding my own networking tribe after a 2-year search. I’m also reminded of how I am surrounded by my true tribe in life, which keeps me happy and grounded. Here are three indicators to help you identify if you’re in the right tribe for you, and what it means to your spending. Tribalism If we go back to ancient tribalism, it was a way to survive by being surrounded and supported… Continue reading Are You in the Right Tribe? 3 Key Indicators
  • Are You a Rainy Day Saver? This Video Will Tell You
    Understanding how you think about money can help you identify your behaviors in real time…and change them on-the-spot.  If you believe you can change your own spending habits, then this video may be powerful enough to get you there.  Are you a Rainy Day Saver? If so, you’ve got some great behaviors..and some that could get you into trouble. If you’re not a Rainy Day Saver, stay tuned for other profiles and share this with someone who might be. It’s only about 3 minutes. Thanks for listening ! A Rainy Day Saver Money Profile Sounds Something Like This Carrie Rattle is… Continue reading Are You a Rainy Day Saver? This Video Will Tell You
  • Are We Too Spoiled to Save Money?
    Meet Allan Liwanag, Twitter handle @PracticalSaver living in the state of Maryland. Allan has graciously allowed me to interview him about his money beliefs and behaviors.  Allan is an avid saver but he didn’t come by it naturally. Here is his story. Allan is a husband and father of one child. He and his wife are committed to having her stay at home with their little one for now.  So he is the chief bread winner. His family is very important to him, and they weave a common thread through many of his thoughts. He seems very grounded in what truly matters… Continue reading Are We Too Spoiled to Save Money?
  • Are We Too Spoiled to Save Money?
    Meet Allan Liwanag, Twitter handle @PracticalSaver living in the state of Maryland. Allan has graciously allowed me to interview him about his money beliefs and behaviors.  Allan is an avid saver but he didn’t come by it naturally. Here is his story. Allan is a husband and father of one child. He and his wife are committed to having her stay at home with their little one for now.  So he is the chief bread winner. His family is very important to him, and they weave a common thread through many of his thoughts. He seems very grounded in what truly matters… Continue reading Are We Too Spoiled to Save Money?
  • 8 Questions Defining Money Obsession
    Obsession is typically a negative word in our society.  And if an obsession is taken too far, like stalking or gambling to an extreme, it can be bad.  But money obsession can yield positive results if balanced with a real grounding in the important things in life.  If you or someone you know is obsessed with money, you like to learn about managing it well, and may be more likely to have an emergency fund and retirement savings in place.   Are you obsessed with money?  I you answer YES to most of these questions*, you likely are. 1. I put… Continue reading 8 Questions Defining Money Obsession
  • 7 Signs You are in Financial Denial
    Our guest blogger is Eric Dammann, clinical psychologist and financial coach in NYC.  Financial denial can be so harmful to my clients. It works in the background, and often goes unnoticed until it’s too late. What is denial? It’s a defense mechanism we use to protect ourselves from unpleasant emotions and thoughts. Defense mechanisms are not only important to our emotional survival, but necessary.  With all of the disturbing news coming at us every day (climate change, global economic crises, terrorism), we need a defense to fight the overwhelming chaos of the world. The challenge is when defense mechanisms become… Continue reading 7 Signs You are in Financial Denial
  • 6 Tips to Confront Your Money Fear
    Fear is uncomfortable, and unwelcome in our lives. Centuries ago it kept us alive. Now, it’s more about emotional failure or social exposure. How then do we overcome a fear, and face our current situation head-on? Introducing Jenny Powers, the bubbly, energetic and successful creator of Running with Heels, a women’s networking group in NYC. While in Vegas vacationing with her family, Jenny had the opportunity to go zip-lining.  It was on Jenny’s bucket list – the same list many of us have – adventure, making peace with those we love, and conquering something we’ve always been afraid to tackle. … Continue reading 6 Tips to Confront Your Money Fear
  • 6 Steps to Healthy Spending. And Forget About a Budget.
    This is THE YEAR you want to get on top of your cash. GREAT! The worst thing you can do is start with a budget. What? Really? Why? (and secretly, you’re probably thinking Yay!!). Money is not logical. Money is fraught with emotion.  And if you force yourself to do something you “should” be doing, you will find some zillion reasons not to do it. Then you’ll feel bad because you “should” be doing it but aren’t, and you’ll start judging yourself, and then feel like a failure.  You’ll quit. To successfully change your money behaviors, you want them to stick.… Continue reading 6 Steps to Healthy Spending. And Forget About a Budget.
  • 5 Tips to Fight Tax Return Money Euphoria
    We all know the feeling – when we’re getting a tax return and we feel, well, rich. Not rich like a millionaire, but richer than we were yesterday. It’s like gold falling from heaven. And then it starts. The “what can I use this money for” dreams begin. And believe it or not, we probably dream spending 4 or 5 times the value of our refund. This is money euphoria. Nothing is Free Some of us treat a refund like “free money” or “new found money”.  In reality, it comes from our hard-earned cash, and from over paying taxes. It… Continue reading 5 Tips to Fight Tax Return Money Euphoria
  • 5 Things You Should Know about Money Management Behavior
    INTRODUCTION: Your “how to” blog post should teach the reader how to do something by breaking it down into a series of steps. Begin your blog post by explaining what problem you are going to solve through your explanation and be sure to include any relevant keywords. Add in a personal story to establish your credibility on this topic. And make sure to end your blog post with a summary of what your reader will gain by following your lead. Need some inspiration? Check out these “How-To” examples from the HubSpot blog: How to Write a Blog Post: A Simple Formula to Follow … Continue reading 5 Things You Should Know about Money Management Behavior
  • 5 Good Cash Behaviors – How do You Rate?
    Sarah Fallaw is CEO of Data Points, and also the daughter of Thomas J. Stanley, author of The Millionaire Next Door. I’m a fan of hers, and I have lived my life by that book. For anyone who has worked in a company where you have a job description, Sarah has come up with a brilliant, simple job description for managing our every day cash.  5 Good Household Cash Behaviors Social Indifference: The more you care about what people think of you, and the more time you spend on Facebook/Instagram etc. getting “likes”, the more you will spend cash based on peer pressure. HOW… Continue reading 5 Good Cash Behaviors – How do You Rate?
  • 4 Ways to Take Control of Your Over Shopping NOW
    Do you impulsively shop…a lot? Do you use it for self-soothing, escape, or quality time with someone? The reason why you over shop is unique to you. How it impacts your life as you spiral out of control falls into several patterns that look like this: Financial Devastation You may or may not be in serious debt. If you’re in debt, the interest on that debt is compounding at an alarming rate. Just take a look at your credit card statement. There is a box required by law that shows you how many years it will take to pay off… Continue reading 4 Ways to Take Control of Your Over Shopping NOW
  • Are You Committing Financial Infidelity? You May be Surprised
    Infidelity is a sizzling topic, and Financial Infidelity is new on the scenes. According to the research Financial Infidelity in Couple Relationships 2018 by Jeanfreau, Noguchi, Mong and Stadthagen, 27% of people admit to keeping a secret from their partner but 53% do keep a secret from their partner. Are they lying? OR, is what they’re doing just not considered infidelity in their minds? How Does it Start Well, couples are more likely to marry someone with different attitudes toward money – opposites attract after all. Let’s say you date someone who wines and dines you, which makes you feel special because you wouldn’t treat yourself… Continue reading Are You Committing Financial Infidelity? You May be Surprised
  • Use Your Mind to Increase Savings by 73%
    Have you ever really, really wanted something but then sloughed it off because the likelihood of saving the money to achieve it was super low? You may have just thrown away the possible.  How could I know this? For two reasons: research and client experience. In a recent interview with Jill Cornfield of NBC Universal, we discussed this very topic. She also quoted Brad Klontz, a financial psychologist who contributes good work to our growing field. His research on the topic is called The Sentimental Savings Study and addresses the proof behind increasing savings 73%.  The research highlights 3 particular modules that… Continue reading Use Your Mind to Increase Savings by 73%
  • 4 Things to Honestly Talk About Before You Buy a Home Together
    “No surprises” is the mantra I highly recommend for any two people wanting to buy a home together. It may be your next home after outgrowing the one you’re in. It might be your first home now that you’re newly married. Maybe you’re just trying out this couple thing and are willing to share an asset. Regardless, when it comes to getting a mortgage, here are 4 things that even married couples are sometimes surprised about – when it’s almost too late. Talking Money Makes You Vulnerable If you aren’t sure your finances are in a good place, it’s better… Continue reading 4 Things to Honestly Talk About Before You Buy a Home Together
  • 4 Steps to Build Better Money Habits
    In our last blog, we talked about changing subconscious habits instead of using pure willpower to save money. It takes desire and focus to change, but once the new habit is on automatic pilot, it takes less effort than sheer will power. A habit loop is comprised of a Trigger, Action and Reward. (1) Charles Duhigg, author of a very interesting book called The Power of Habit, provides the following framework for reshaping bad habits. In our last blog we suggested you analyze your morning coffee habit to get a feel for the process. Our example has been placed in Duhigg’s framework: 1. Identify… Continue reading 4 Steps to Build Better Money Habits
  • 3 Tips for the Super Mom Brain & Money Talk
    We all know a woman’s brain works differently from a man’s. Did you know a woman’s brain goes into superior overdrive once she becomes a Mom?  With this kind of computer power – women can tackle, learn and succeed with anything around money talk.  We just need to deliver the information and discussions differently. Here’s some quick knowledge on how powerful the female brain can be.   The Female Brain: Has 4x the connections between left and right brains than a man Can think rationally & emotionally at the same time Thinks at 30,000 feet about implications to the future, society,… Continue reading 3 Tips for the Super Mom Brain & Money Talk
  • 3 Simple Behaviors to Take the Pain out of Tax Season
    Yep, it’s that season again.  And it’s stressful.  Often the paperwork is more daunting than the actual check we may have to write; and psychologically the agitation we imagine is often much greater than reality.  It’s natural to bristle at “administrivia” and avoid submitting our taxes until the very last minute.  So before you read further, STOP.  Once you read the next sentence you’ll be tempted to move on. Remember the pain you just felt, or are still feeling about your taxes?   Prepare to change your behaviors for the future. Here are some tips NOW to make next year easier.  I. The File Folder I’ve… Continue reading 3 Simple Behaviors to Take the Pain out of Tax Season
  • 3 Dangers when Talking Money to Your Banker
    Some of my friends and colleagues are bankers. Are they knowledgeable and operate with integrity? Absolutely. But first and foremost, they’re human too. Bankers should be more knowledgeable about their business than the average bear. However, they have money emotion and needs like the rest of us, which means they may not be putting you first – and they may not even know it. Regardless of what they say or offer, we need to do our due diligence and be sure what they offer is right for us. Blindly believing them makes us complicit in our own demise. Here are… Continue reading 3 Dangers when Talking Money to Your Banker
  • 2 Reasons Gift Cards Destroy Your Spending Plan
    Gift Cards are free money aren’t they? They’re the easy yet thoughtful gift that burns a hole in our wallet until we use it.  After all, if we didn’t use it, it would be like flushing money down the toilet.  But sometimes Gift Cards aren’t really a gift.  Sometimes they become an anchor that encourages us to spend a lot more than we can afford. Gift Cards Help You Save – Or Not My friend and I went to a fabulous networking event at a pricey store in Manhattan. We paid a $40 entrance fee and much to our delight,… Continue reading 2 Reasons Gift Cards Destroy Your Spending Plan
  • 4 Ways to Take Control of Your Shopping Life NOW
    4 Ways to Take Control of Your Shopping Life NOW The reason why you overshop is unique to you. How it impacts your life as you spiral out of control falls into several patterns that look like this: Financial Devastation You may or may not be in serious debt. If you’re in debt, the interest on that debt is compounding at an alarming rate. Just take a look at your credit card statement. There is a box on there required by law to show you how many years it will take to pay off your balance if you pay the… Continue reading 4 Ways to Take Control of Your Shopping Life NOW
  • DEFEND YOURSELF AGAINST THESE BLACK FRIDAY WORD TRIGGERS
    DEFEND YOURSELF AGAINST THESE BLACK FRIDAY WORD TRIGGERS This year, our Master Money Coach, Carrie Rattle, MBA, CDFA wrote our traditional Black Friday blog post. Carrie is available for individual coaching and guided self-help coaching. I was reading a catalog yesterday to find a window blind. One summary describing a certain blind and curtains read this way: “This window was desperately needing some color and attention”.  DESPERATELY – as in urgent, and life-threatening.  It is fair to say that a window undressed will never be a desperate situation, and yet the description can trigger an immediate need in some of… Continue reading DEFEND YOURSELF AGAINST THESE BLACK FRIDAY WORD TRIGGERS
  • Behavioral Addiction Recovery: A Guide for Families, Friends, Colleagues, and Roommates
    We were recently introduced to an excellent article, Behavioral Addiction Recovery: A Guide for Families, Friends, Colleagues, and Roommates. What defines a behavioral addiction, how one develops, and how to support a loved one in recovery from a behavioral addiction are all covered in the piece. You can access the full guide here: onlinepsych.pepperdine.edu/blog/behavioral-addiction-recovery-tips/ *OnlinePsychology@Pepperdine, the Online Master of Psychology program from Pepperdine University   Warm regards, April Lane Benson, Ph.D. Founder, Stopping Overshopping, LLC
  • How to Keep Black Friday from Becoming Red Saturday
    How to Keep Black Friday from Becoming Red Saturday This year we’re taking a different approach to connecting with you about holiday shopping and spending. Rather than write holiday blogposts, we’re holding several Facebook live events that we hope will feel like holiday experience gifts to each of you. As soon as those are scheduled, we’ll be sending out the details. By the time Thanksgiving arrives one week from today, many of us will be in significant danger of overshopping as a response to the stress, anxiety and, all too often, despair, that the holiday can evoke. If you’re reading… Continue reading How to Keep Black Friday from Becoming Red Saturday
  • I Got One Hand in My Pocket and a Mind Free of Worry
    I Got One Hand in My Pocket and a Mind Free of Worry   We learned about the possibility of offering a guided self-help tool from our Program Manager, Steven Rubin, MSW, who used a tool on Mentegram and found it quite helpful.  This is his report: “You may be wondering how an app can possibly help you stop overshopping and overspending. I was pondering a similar question when I first downloaded Mentegram to address my anxiety and depression. I was skeptical. Yet, it was instrumental in helping me to: 1.Become aware of my automatic and distorted thoughts. 2.Witness the… Continue reading I Got One Hand in My Pocket and a Mind Free of Worry
  • How to Resist the Perfect Storm of August Overshopping Triggers
    How to Resist the Perfect Storm of August Overshopping Triggers The end of summer can be one of the most challenging times of the year for overshoppers. Three compelling sources: end of summer sales, back-to-school deals, and the new fall fashions all come together at the same time to create the “perfect storm” for compulsive buying chaos. A few years summers ago, I did a teleseminar with Debbie Roes, who wrote the blog, Recovering Shopaholic: Trade Your Full Closet for a Full Life. On the call, we discussed the three most common mistakes people make as a result of this seasonal… Continue reading How to Resist the Perfect Storm of August Overshopping Triggers
  • The Genie Has Arrived: Stop Overshopping Now
    The Genie Has Arrived: Stop Overshopping Now Last week actor Cheryl Stern and I spent an hour together. Sometimes silly, sometimes serious, we talked about her overshopping story and how it became the subject of her one woman musical Shoes and Baggage, returning to New York for a limited run later this month. The two of us got a little silly when instead of typing “it’s going onsale,” for her answer to the question, “What if I wait?,” about the proposed purchased of a bathing suit, Cheryl had typed “I’m going insane.” I hope Freud would have had a wonderful laugh over… Continue reading The Genie Has Arrived: Stop Overshopping Now
  • Can Time Away Promote Shopping Self-Awareness?
    A vacation and time away with family can be an inadvertent opportunity for self-awareness, self-discovery, and reflection.  Recently, our friend and guest blogger Toni Marie took a long anticipated family vacation.  With humor and heart, she chronicles the triumphs and challenges of being on a family vacation during which strong urges to shop and buy surfaced often. After spending her second day repeatedly distracted by the thought of Vince Camuto sandals and how to resist the urge to buy them, she mused, “Wouldn’t it be better to own less but really love what I’m wearing? This “AHA” moment as she… Continue reading Can Time Away Promote Shopping Self-Awareness?
  • Sale Brain: How to rewire yours
    Sale Brain: How to Rewire Yours Don’t let discounts blind you to hard numbers. We have become obsessed with the word, “sale.” Dictionary.com, that 21st century OED we don’t have to find on the shelf, defines sale as a noun, with three related shades of meaning. Sale refers to: the act of selling. a quantity sold. opportunity to sell Steven, our Program Manager, and I are scratching our heads as we write this. That’s certainly not how either of us would define the word “sale.”  However, the more we researched it, the clearer it got. Sale, defined as a period during which a retailer sells… Continue reading Sale Brain: How to rewire yours
  • Fabric from Food Waste? No Need to Scrap Fashion
      Fabric from Food Waste? No Need to Scrap Fashion From dissolving thread, fabric made from food waste to clothes made from algae, the winners of this year’s Global Change Award are trying to plot a new way forward for a fashion industry that’s been too focused on disposable clothing. These innovative, out-of-the-box alternatives to disposable clothing are made entirely with sustainable materials. Both literally and figuratively, they’re reweaving the warp and woof of fashion, in the process nudging us toward safeguarding our planet and our living conditions. Fashion Revolution, a nearly five year old non-profit that arose from the… Continue reading Fabric from Food Waste? No Need to Scrap Fashion
  • Can Confessions Be Funny? What One Overshopper Has to Say
    You may remember these two recent blog posts, an overshopper named Lynn. Believe it or Not, It’s True: Nordstrom and I Are Through (Part I) and Believe it or Not, It’s True: Nordstrom and I Are Through (Part II) These posts are what she wrote for the dialogue exercise, a part of our program where you construct a dialogue between yourself and something that’s central to your overshopping.  In Lynn’s case it was her Nordstrom credit card. Lynn is back with an additional post, this time something she wrote for a humor writing class,   All humor aside, she’s someone who keeps… Continue reading Can Confessions Be Funny? What One Overshopper Has to Say
  • The “Smiled Upon” Addiction: An article from Glamour Magazine
    “If someone tells you,  you have a problem, cut them off. You don’t need that kind of negativity in your life.”  Thus begins Glamour magazine’s recent article, 10 things you only know if you’re addicted to sale shopping. Brashly glamorizing addiction to sale shopping, one subcategory of shopping addiction, this piece ranks a close second to the Barney’s ad from well over a decade ago, imploring readers to take their emotional baggage, fill it with mood enhancing bargains, and get in touch their “inner shopper.”  These are the messages that trivialize and perpetuate the “smiled upon addiction.” The article lists… Continue reading The “Smiled Upon” Addiction: An article from Glamour Magazine
  • Unbelievable, but it’s true, Nordstrom and I are Through: Part II
    Part II   Lynn, an active, involved stay-at-home mother of four, is a client of mine who initially came to see me five years ago because of a long history of overshopping and overspending, mounting debt, and the stress on her marriage that this had caused.  During the six months we worked together, she made a great deal of headway. By the time we stopped working together, all her debt had been paid off, she had come clean to her husband and she was feeling confident that her shopping and spending problems were well under control. I received a call… Continue reading Unbelievable, but it’s true, Nordstrom and I are Through: Part II
  • Experience Gifts Trump Stuff Every Time: Read What Actor Cheryl Stern Has to Say
    We’re delighted to share a guest post to share with you from the wonderful Cheryl Stern. Broadway veteran actress and Jonathan Larson Award-winning writer, Cheryl just received critical acclaim Off-Broadway for her new solo show, Shoes and Baggage, with music by Tom Kochan. Cheryl’s Broadway credits include the 2010 Tony Award Winning revival of La Cage Aux Folles, starring Kelsey Grammer, The Women with Cynthia Nixon, Jennifer Tilly and Kristen Johnston, (Roundabout; filmed for PBS) and Laughing Room Only. Cheryl was also featured in Fiorello at Encores/NY City Center and in Candide at NY City Opera.   Cheryl says: After sharing an… Continue reading Experience Gifts Trump Stuff Every Time: Read What Actor Cheryl Stern Has to Say
  • On Compulsive Buying: And Then There are the Holidays
    We’ve been fortunate that Kathleen Gemmell, an eclectic  author and former compulsive buyer offered us a guest post about her own recovery journey which began four years ago, when her son, who could no longer sit by and watch his mother buy herself into oblivion, arranged for an “intervention.”  Kathleen Gemmell loves playing with written words. Currently penning for five online sites and magazines, Kathy is a storyteller, an animal welfare proponent, a psychology buff and a dreamer. We thank her dearly for sharing her story with us.       You can read Kathleen‘s post below:   On Compulsive… Continue reading On Compulsive Buying: And Then There are the Holidays
  • Lonely? Broke? How to stay social and solvent during the holidays
    Lonely? Broke? How to stay social and solvent during the holidays.   Does it feel like you’ve been sold a bill of goods about the holidays? Did you grow up hearing that the holidays are the most wonderful time of the year? Do you feel the added stress of holiday expectations?   For many people, the holidays are actually some of the most difficult times of the year, challenging and potentially isolating.   Here are five doable suggestions for staying connected and resisting the temptation to overshop at this time of year, click here: Volunteer: In helping others in your… Continue reading Lonely? Broke? How to stay social and solvent during the holidays
  • Spending Less by Breaking Money Silence Over the Holidays
    This is a guest post written by my colleague Kathleen Kingsbury,  whose work and personhood I’ve admired for quite a long time. She is a a wealth psychology expert, founder of KBK Wealth Connection, host of the Breaking Money Silence™ podcast, and the author of several books. She’s just published a book called Breaking Money Silence : Shatter Money Taboos by Helping Your Clients Openly Discuss Their Finances   In this post, which she’s written especially for us, you’ll read her very original and potentially transformative suggestions about:   Spending Less by Breaking Money Silence Over the Holidays The holiday… Continue reading Spending Less by Breaking Money Silence Over the Holidays
  • Unbelievable, but it’s true…. Nordstrom and I are through! (Part I)
    One of the most revelatory and ultimately powerful tools in the Shopaholicnomore program is the dialogue. The purpose of the dialogue is to gain a deeper awareness of your relationship with something that you are overshopping for or something you use in order to overshop.   It might be that 8th pair of black boots, an evening dress from your favorite online shopping site, or for something we use in order to overshop, like a credit card.   The following is a dialogue that an overshopper named Lynn recently had with her Nordstrom credit card, several days after she actually… Continue reading Unbelievable, but it’s true…. Nordstrom and I are through! (Part I)
  • Compulsive Buying Making You Feel Isolated? Knowing That You’re Not Alone Can Make A Big Difference
    Compulsive Buying Making You Feel Isolated? Knowing That You’re Not Alone Can Make A Big Difference Do you feel alone, isolated, ashamed, or gulity about your shopping problem. So many of us do, which makes it so much harder to tackle. Knowing that you’re not alone can make a big difference. Although you might have a hard time finding people who can relate to your struggles, there are quite a few resources to turn to, so reports Jill Chivers. Recently featured on the Australian television show “A Current Affair,” Jill talked about what inspired her to begin talking openly with hundreds of… Continue reading Compulsive Buying Making You Feel Isolated? Knowing That You’re Not Alone Can Make A Big Difference
  • These Shoes and Baggage Fit Most Shopaholics
    Touched, tickled, and terribly impressed, I left last Wednesday’s performance of Cheryl Stern’s Shoes and Baggage feeling buoyed and hopeful that compulsive buying may yet really come out of the closet, and this time for good! As this funny, poignant, and thoughtful one-woman musical odyssey opens, the audience is bombarded with a plethora of advertising images, sale signs and the like, flicking on and off a large screen in rapid-fire succession. To see a 34 second promo video of the show that begins with these images Click Here  From the show’s website: Shoes and Baggage is about the insatiable urge… Continue reading These Shoes and Baggage Fit Most Shopaholics
  • Common Fall Shopping Mistakes
    And Fall Fashions Calling You? Resources to Help You Resist the Pull! The end of summer can be one of the most challenging times of year for overshoppers. Three compelling sources: end of summer sales, back-to-school deals, and the new fall fashions all come together at the same time to create the “perfect storm” for compulsive buying chaos. A few years summers ago, I did a teleseminar with Debbie Roes, who wrote the blog, Recovering Shopaholic: Trade Your Full Closet for a Full Life. On the call, we discussed the three most common mistakes people make as a result of this seasonal pressure and offered many tools, tips, and… Continue reading Common Fall Shopping Mistakes
  • Are you a Compulsive Buyer?
    You’re Not Alone– This Blog Can Help  To Buy or Not To Buy? – it’s a question we ask and answer almost every day, and sometimes multiple times a day. For many people, it doesn’t cause a lot of inner turmoil, but if you are a compulsive buyer, it’s a high stakes question, and an affirmative answer can be devastating. Long trivialized as the “smiled-upon” addiction, thankfully, compulsive buying is coming farther and farther out of the closet, and the release of movies like Confessions of a Shopaholic is bringing the problem into the limelight. We have reason to believe… Continue reading Are you a Compulsive Buyer?
  • Why Scrap Fasion?
    Last Thursday, I spent the afternoon at the Lower East Side Girls Club in New York City and left feeling more inspired than ever to help people explore mindful consumption. In no way does anyone need to scrap fashion for lack of funds. Let me explain. Debra Rapoport, one of the advanced fashionistas I’d written about in “How Can Advanced Style Be a Retreat from Compulsive Buying” (July, 10, 2016) (Click Here), has done workshops at the Club and  invited me to attend a luncheon and fashion show there. Serving girls from 6th-12th grades, all of whom come from one of the… Continue reading Why Scrap Fasion?
  • Can’t find enough compulsive buying recovery resources? Open this treasure chest!
    Have you ever run a Google search to see what compulsive buying self-help resources are out there, but come up with next to nothing? Shopping addiction is definitely a lesser-known, infrequently-discussed, and rarely-diagnosed disease, so finding information about and strategies to battle it can be a real struggle. Fortunately, Debbie Roes has gathered a great many resources, services, guides, and tips for anyone on, or just beginning, the road to recovery. Everything she discusses in this blog post will be invaluable to someone recovering from a shopping addiction. We’ve highlighted some of the most useful resources: Advice and Information About… Continue reading Can’t find enough compulsive buying recovery resources? Open this treasure chest!
  • Afraid of missing out on a purchase? Be savvy to the advertising techniques that get you to spend
    Imagine yourself walking into a store, any store: The products are likely displayed in a beautiful array, near the front windows; there are sales people scattered around to help you with anything you need; and there are bright advertisements hanging from the ceilings, pasted on the walls, on stands near the checkout, that scream, “Sale!” “Limited time only!” and “Only a few left in stock!” Are these bright notices just space-fillers to capture your attention, or do they have a more crafty purpose? I recently read an article in Shopify that discussed all the tactics a company will use to… Continue reading Afraid of missing out on a purchase? Be savvy to the advertising techniques that get you to spend
  • Is online shopping the next danger zone for compulsive buyers?
    It might be easier to kick our shopping addictions if the temptations existed only outside our of homes, but with the growing popularity of online shopping, we’re not even safe there. Though there are several papers that focus on compulsive shopping, not as many have factored into their research the impact of online shopping. However, I recently read a paper by Susan Rose and Arun Dhandayudham that focused on just this. They explored some of the positive and negative feelings people experienced when online shopping, and how might these emotions trigger a compulsive buying binge. This study cites seven variables… Continue reading Is online shopping the next danger zone for compulsive buyers?
  • Clothes shopping your downfall? Time to change the way you approach personal style!
    When it comes to overspending, clothes are the downfall for many. We see an ensemble in a store window that we think we don’t already have in our closets, or justify our spending sprees because what we purchased was on sale or bought second-hand. I’m Veronica Grace Taleon, Program Manager at Stopping Overshopping, and I wanted to share some interesting information with our community. An article in Darling Magazine took a new approach to the issue of filling our closets with unneeded materials. Rebecca Jacobs, who once claimed to have an unhealthy relationship with shopping, now helps women fight the… Continue reading Clothes shopping your downfall? Time to change the way you approach personal style!
  • Could reinvention solve your shopping addiction?
    Could reinvention solve your shopping addiction? A recent article on BBC took a very interesting perspective on the fashion industry and overconsumption. This is the first time I’d ever read about fashion companies—even really big names, like H&M and Zara—that were trying to find a model where they could promote sustainability by creating blends of recycled clothing. If you’ve read my blog before, you know that I really support this idea. There’s something about it in the post I wrote “Can Advanced Style Be a Retreat From Compulsive Buying.” Additionally, during my recent trip to South Africa where I was… Continue reading Could reinvention solve your shopping addiction?
  • Tying Together Two More Continents: But This Time As A Psychologist
    I’m leaving today for Australia, where I’ll be giving three daylong workshops for Australian psychologists, in the theory and treatment of compulsive buying disorder. Since 2003, when I first launched my website, there has been a good deal of interest in compulsive buying in Australia and I was delighted and grateful to be invited by the Australian Psychological Society Institute to do workshops in Melbourne, Sydney, and Brisbane. When I left Australia last January, having been there with my husband for vacation and to meet relatives whom I’d never met and only learned of a few years before, I decided… Continue reading Tying Together Two More Continents: But This Time As A Psychologist
  • Tie-ing Together Two Continents: My Holiday Experience Gift Part II
    Two weeks ago, I returned from an incredibly heart-warming and productive nine days at Camp Sizanani, a camp for HIV/AIDS affected teenagers from the greater Johannesburg area. My role at camp was to be an arts and crafts counselor and in the post I wrote before I left, I described that I was bringing materials for an art project that I was going to teach which I called Tie-ing Together Two Continents. Using ties, shoelaces and other supplies that had been donated by my neighbors, the counselors and campers made colorful, inventive, original wearable art, all while singing and dancing! To watch a… Continue reading Tie-ing Together Two Continents: My Holiday Experience Gift Part II
  • Tie-ing Together Two Continents: My Holiday Experience Gift
    Tomorrow I’m flying to Johannesburg where I’ll be one of two American counselors at Camp Sizanani,* a camp for HIV-AIDS affected teens who come from Soweto, a large township rich in the history of the struggle against apartheid.  Poor housing and infrastructure, overcrowding, and high unemployment are still the norm.  In addition to regular camp activities; sports, theatre, storytelling, dance, poetry, and arts and crafts, HIV/AIDS prevention education and life skills are integral components of the program. I’m bringing two large duffel bags, filled with an impressive assortment of fabric remnants, shoelaces, zippers, seam bindings and dozens and dozens of… Continue reading Tie-ing Together Two Continents: My Holiday Experience Gift
  • How Can Advanced Style be a Retreat from Compulsive Buying?
    Surrounded at dinner recently by six maverick women, ranging in age from their late 30’s into their 70’s, each dressed in the most creative, non-conformist, ensemble, how could it be that I was writing down the names of thrift stores? Each of these women looked like a million bucks, if not two or three. We had all gathered at the invitation of Debra Rapoport, whose signature paper towel hats are the single most arresting piece of clothing I’ve seen in an age. (Both Merle and Debra are wearing them in the photos below.) I’d met Debra at a class that I… Continue reading How Can Advanced Style be a Retreat from Compulsive Buying?
  • Are You Making Payments Too Quickly?
    Forward​ ​movement,​ ​if​ ​we​ ​want​ ​to​ ​call​ ​it​ ​that,​ ​in​ ​Industry​ ​and​ ​technology​ ​has​ ​made​ ​monetary transactions​ ​faster​ ​than​ ​a​ ​speeding​ ​bullet.​ ​​ ​Today​ ​it’s​ ​common​ ​to​ ​be​ ​able​ ​to​ ​make​ ​and​ ​pay​ ​for​ ​a purchase​ ​simply​ ​by​ ​tapping​ ​your​ ​cell​ ​phone. Efficient​ ​and​ ​convenient?​ ​Yes. Risky​ ​and​ ​problematic?​ ​If​ ​you’re​ ​reading​ ​this​ ​soundbite,​ ​the​ ​answer​ ​is​ ​probably​ ​“yes.” According​ ​to​ ​​American​ ​Banker​,​ ​a​ ​”very​ ​effective”​ ​payment​ ​approval​ ​takes​ ​no​ ​more​ ​than​ ​two seconds.​ ​Faster​ ​purchases​ ​often​ ​mean​ ​less​ ​thoughtful​ ​ones.​ ​​ ​​ ​These​ ​transactions​ ​are​ ​designed​ ​to be​ ​both​ ​fast​ ​and​ ​irrevocable.​ ​Fast​ ​payment​ ​approval​ ​offers​ ​no​ ​time​ ​to​… Continue reading Are You Making Payments Too Quickly?
  • Are You A $mart Woman?
    If you already consider yourself one, The $mart Women podcast series will help you maintain your smarts, and if you’re not, the series will help you become one. Sponsored by Payne Capital Management and hosted by Michelle McKinnon, the series seeks to help women “get smart” with their money and is a great resource.  Recently, I was a guest on this series and was able to go into depth on a variety of topics related to overshopping that may be of help to you and your loved ones. Listening to the Podcast Will Give You Insight Into: How to tell… Continue reading Are You A $mart Woman?
  • For Smart Cookies, Less Spending and More Saving is a Piece of Cake!
    How do you rationalize your overshopping and overspending? Do you talk to friends about this?   Do some of them do the same thing? Stopping overshopping and ending overspending can actually be easier when you’re joining with others that are facing the same challenges.  The “Smart Cookies” are a group of five young women that have proven this very point.  Inspired by Oprah’s Debt diet series, they came together with a common goal of less spending and more saving.  Weekly meetings and making small changes in their everyday routines resulted in enormous differences in their lives.  You might want to… Continue reading For Smart Cookies, Less Spending and More Saving is a Piece of Cake!
  • Are You Using This Prescription Drug? It Might Explain Your Compulsive Shopping
    Are you taking Aristada or Abilify? Have you begun to shop compulsively, or has your compulsive shopping gotten more pronounced? Both of these medications, sold under the generic name aripiprazole, have been associated with compulsive shopping and spending, as well as other compulsive behaviors such as binge eating, gambling, and sex. Until now the only side effect listed on the drug’s label was compulsive gambling, which according to the FDA, does not sufficiently convey the scope of what users could experience from using the drug.  Additionally, a class action suit has recently been launched on behalf of Canadian Abilify users.… Continue reading Are You Using This Prescription Drug? It Might Explain Your Compulsive Shopping
  • What Does Your Bank Look Like Naked?
    Imagine that your bank took truth serum one morning and when you went in for a loan that afternoon, they told you the real scoop about the massive debt they’re hoping you’ll accrue with no regard whatsoever as to whether you can ever pay it off. You’ve conjured up NakedTruthBank.com. Early this spring, I was contacted by Gregg Jackson, who introduced me to the new public service website he authored, which uses “parody, with eye-catching graphics and humorous text, to warn people about the hype and traps of consumer debt. It offers branded credit cards for every delusion; limitless student… Continue reading What Does Your Bank Look Like Naked?
  • Hypnosis Tapes for Compulsive Buying: One More Useful Tool
    Few of us still picture hypnosis as it was once featured; pocket watch pendulating, subject getting drowsy, trance induction. While hypnosis has undergone an enormous sea change in the last century, beginning with Freud, it’s therapeutic potential has been evident for over one hundred years. A long-standing arrow in our psychological quiver, the ways we apply hypnosis have continued to grow.  To date, hypnosis has been studied as an effective treatment for pain, anxiety, and mood disorders and has been shown to help individuals combat addictions and change longstanding undesirable habits. As a standalone treatment, it’s unlikely to hit a… Continue reading Hypnosis Tapes for Compulsive Buying: One More Useful Tool
  • The Ethics of Overcoming Shopping Addiction
    Overcoming overshopping does not only bring individual relief; it’s great for the whole world. In a recent article titled Everyday Ethical Changes Every Person Can Make for a Better World in 2016,  online news outlet Quartz has listed spending less as one of the top ways to make more ethical choices. Spending less is an ethical change almost all of us can stand to make. Through keeping our possessions for longer, repairing and recycling clothes instead of throwing them away, and, of course, shopping mindfully you’re doing something that benefits all of us. To read more click here
  • Are You Losing the “Rewards Game”?
    We live in a world where it is now common practice for airlines, hotels, and even credit cards to offer us perks to encourage us to spend money.   Using these programs may not always be as good of an investment as they seem. While healthy use of a reward program can be smart and effective, many people find themselves instead struggling against the pull of the “rewards game” and dangerously overspending.  To learn more, click here.
  • Are You Losing the “Rewards Game”?
    We live in a world where it is now common practice for airlines, hotels, and even credit cards to offer us perks to encourage us to spend money.   Using these programs may not always be as good of an investment as they seem. While healthy use of a reward program can be smart and effective, many people find themselves instead struggling against the pull of the “rewards game” and dangerously overspending.  To learn more, click here.
  • Getting and Giving the Right Kind of Support: What Overshoppers and their Loved Ones Need to Know!
    With the holidays fast approaching, overshoppers and overspenders are heading into some very rough waters. There’s temptation everywhere, and mega pressure to buy, buy, buy. How can you, someone who is struggling with impulses to overshop and overspend, get effective help from your support system? What can you, as a loved one, do or say to ease the pain that the holidays often bring to the surface? We recently came upon three excellent articles, written by the staff at the Center for Motivation and Change, that highlight the importance and impact of supportive relationships in three unique ways. The content… Continue reading Getting and Giving the Right Kind of Support: What Overshoppers and their Loved Ones Need to Know!
  • Can Shopping Transcend the Fear of Death?
    The world we live in is a confusing and chaotic place. News stories surprise and astound us daily—from the discovery of Genie, a child bound to a crib for 13 years, to claims of the next apocalypse. It is often difficult to wrap our mind around what happens in our world, our country, even in our town, which leaves us grasping for something contained and predictable: stuff. If we can’t control or even comprehend our world, at least we can control what we own. . Since the things that we buy will endure, we will endure too, the unconscious thinking goes. In… Continue reading Can Shopping Transcend the Fear of Death?
  • How to Avoid the “Perfect Storm” of August Shopping
    August is a time of huge seasonal pressure, when back-to-school deals, end-of-season sales and the fall fashion push all come together to create the perfect storm for overshopping. “Great deals” at the end of the season make it easy to think that stocking up for next summer makes a lot of sense, especially because the sales are so good. There are problems with this strategy, though. To read more, click here. Wishing you a relaxed, temperate end of summer, with no perfect storm in the forecast.
  • Does Sadness Bring Happiness or is that Inside Out?
    Compulsive buying, like so many other self-defeating habits and addictions, is often an attempt to anesthetize negative feelings, diminish their intensity, or suppress them altogether. Pixar’s latest film, Inside Out, trumpets the value of feeling all of our feelings, whether they are Anger, Sadness, Joy, Fear, or Disgust, the five feelings personified as characters in the movie, or any others. Inside Out has inspired dialogue among mental health professionals, many of whom admire the way inner conflict unfolds in the psyche of Riley, an 11-year old girl desperately trying to regain her cheery disposition despite the significant loss she feels,… Continue reading Does Sadness Bring Happiness or is that Inside Out?
  • A Look at Inside Out: Can Sadness Ultimately Bring Happiness?
    Compulsive buying, like so many other self-defeating habits and addictions, is often an attempt to anesthetize negative feelings, diminish their intensity, or suppress them altogether. Pixar’s latest film, Inside Out, trumpets the value of feeling all of our feelings, whether they are Anger, Sadness, Joy, Fear, or Disgust, the five feelings personified as characters in the movie, or any others. Inside Out has inspired dialogue among mental health professionals, many of whom admire the way inner conflict unfolds in the psyche of Riley, the 11-year old protagonist. Despite the significant loss she feels as a result of having moved across… Continue reading A Look at Inside Out: Can Sadness Ultimately Bring Happiness?
  • Is New Brain Research on Happiness Creating a Monster?
    You know the feeling. That little rush when your eye drifts to the ads on the side of your favorite social media page. Those little blurbs speak to your love of leather handbags, gourmet burgers, or tech gadgets. They call for just a quick click, a minute browse… and your credit card. Those ads – and that gleeful little rush of purchase pleasure – are no accident.   In fact, more and more social media outlets and retailers, large and small, are chomping at the bit to use what we’re learning from brain research to make us happier. More alarming, marketers… Continue reading Is New Brain Research on Happiness Creating a Monster?
  • What Stage of Change Are You In?
    Despite what you see when you look at your credit card bills or what you hear when a creditor calls, or what you see when you try to open your closet and stuff falls on you, do you still think that your shopping is under control? Have you begun to see the costs, financial and otherwise of your overspending, but still find yourself going back and forth about whether it’s really a problem? Are you preparing to take steps to curb your overspending? Do you have a plan in place that will help you stop overshopping? Have you mostly stopped… Continue reading What Stage of Change Are You In?
  • Are you Overshopping or Overspending? Personalized Text Messages Can Help
    Shopaholics and compulsive buyers have a new, affordable resource for help. Stopping Overshopping, LLC has just released an innovative, interactive text-messaging program that directs, inspires, and motivates shopping addicts to stop overshopping. The program is tailored specifically to each participant’s overshopping profile and it provides daily, personalized support when overshoppers need it the most. Text messaging programs have helped people with a variety of physical and mental health issues, including diabetes self-management, weight loss, physical activity, smoking cessation, and diminished alcohol consumption. Although this area of research and practice is relatively new, there has been consistent evidence that text messaging interventions, particularly those that use tailored messages and offer the… Continue reading Are you Overshopping or Overspending? Personalized Text Messages Can Help

Leave a comment

Your email address will not be published. Required fields are marked *