The number one cause of personal finance ruin is procrastination, and the number one cause of procrastination is fear of failure. So if you find yourself watching Brideplasty instead of balancing your checkbook, deciding which expenses to cut, or updating your retirement savings plan, here are some tips for making those tasks less daunting.
Procrastination is key to credit card debt, financial disaster [CredutCards]
Carl Richards, over at the New York Times, suggests that an easy way to keep yourself from spending money on stuff you don't actually want that much is to enforce a "mandatory holding patten." If you think you really want something, instead of buying it immediately you put it on a list. In three days, revisit that list and if you still want the item you can permit yourself to purchase it.
This is something I do, personally, and find it very effective. I racked up a $10,000 credit card bill a few years back because I was so irresponsible with impulse purchases and tried this strategy. I cut down on my spending significantly and was able to easily pay off the bill in a couple of years. It worked for me because I knew I'd still be able to have it in a few days if I really wanted it. Generally I'd just forget about the item entirely. Even if you're not as crazy as I was, this is still a really effective way to gauge if a purchase is really worthwhile.
Four Ways to Stop Gorging on Gratification | New York Times
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