If you feel as though you keep making the same mistakes when it comes to money, there’s good news.
By making a few small, practical changes in your behavior, you can often correct financial mistakes and make some positive changes that are likely to last. Here are four examples.
• Eliminate emotional spending: Before you head off to the mall, take a minute to note what you are feeling. In a recent study by moneycentral.msn.com, people who had just watched a sad movie clip were willing to spend more than those who had just watched other types of movies.
Remember, if you are feeling sad or frustrated, there are ways other than shopping to make yourself feel better.
• Pay off credit card debt as soon as possible: Take a long look at how much you are paying to borrow money from your creditors. Think about consolidating debt with a single loan that has a lower interest rate that’s fixed.
• Start planning for retirement now: If you are not saving money for retirement, you should be. A recent study in USA Today showed that currently, 53 percent of people in the workforce have no pension and 32 percent have nothing set...
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