buy something (usually in the heat of the moment at the store) andwhen you actually buy it. If you force yourself to wait 30 days you'llfind that most of the time you won't want it anymore. If you stilldo, it means you really do want it. So instead of whipping out yourcredit card, whip out your camera. Take a photo of whatever youwant to buy and post it on your "buyer board." Write the date, theamount, and a short reason why you want it and how it will improveyour life. After waiting the 30 days see if you still can't live withoutit.4.
Fill in the blank: "The three most important things inmy life are _______, _______, and _______." Usually stuff doesn'tmake the list. It's important to get clear and conscious about whatyou value. Print this list, or even better, find photos that representthe three things you value (e.g., photo of kids) and put thesephotos in your wallet/purse. To make sure you look at them, putthem in front of your credit cards. If you really want to get fancy,create a credit card condom. This is where you make a sleeve foreach of your credit cards with a photo of what's really important toyou -- this ensures you have to see your values before you spendmoney (especially on stuff that doesn't match your values).5.
Get the focus off yourself, what you want, andwhat new thing you just can't live without, and on to others whoare in real need. This is great therapy and it doesn't cost you adime.6.
Boost your income.
One of my irritations with traditionalfinancial planning is the near-exclusive focus on cutting expenses.You need to live within your means, but let's not forget about theother side of the equation -- income! Use the
other 8 hours
tocreate -- write a book, invent, start a side business, etc.Changing your finances (and life!) starts by changing your mindsetand behavior. Buy into the belief that you can improve yourfinances -- just be careful what else you buy...