We all have one. A little something on which we\u2019re ready to spend impulsively and even sacrifice a portion of income we haven\u2019t even earned yet. Maybe it\u2019s that low-fat decaf latte you absolutely NEED each day before work, even if it costs you $3 and without which you feel something is missing*. Or maybe it\u2019s the latest shoes? Or the 2 bottles of wine you buy each week?<\/p>\n
We\u2019re so sure we deserve that little extra something in our lives that we give in to it by habit, not realizing how much we are spending annually on it. Hundreds and thousands of dollars are spent trying to fill an emotional void. The problem is that the emotional void returns each day, each week or each month.<\/p>\n
While you\u2019re getting that instant gratification, your credit card bills are adding up and in the end, you\u2019re paying interest on restaurant dinners you felt you couldn\u2019t do without.<\/p>\n
If you want to rise to the challenge, you first need to answer the following questions:<\/p>\n
If you believe you don\u2019t have an indulgence, think again. Carry a little notebook with you and write down each and every purchase you make each day. At the end of the month you\u2019ll find out what your indulgence is!<\/p>\n
Once you\u2019ve identified your indulgence, you\u2019ll be able to do something about it. You\u2019re in the habit of buying a latte a day? Why not make it at home and bring it with you in a thermos? You\u2019ll not only avoid the morning coffee line up but have more time to get to work.<\/p>\n
You buy books by the ton? Get a library card and reserve new books before they\u2019re released from your corner library.<\/p>\n
You buy a gym membership each year with good intentions but stop going after 2 months? Drop your membership and find another sport you like better. Long walks in the park? Swimming? A neighborhood hockey or baseball league?<\/p>\n
At the speed at which it\u2019s consumed, is it really worth investing $750 a year on coffee?<\/p>\n