Positive Attitude Adjustment

PART 1

POSITIVE ATTITUDE ADJUSTMENT

What is Positive attitude adjustment? It is where past spending habits are replaced with a new innovative awareness of buying choices. It allows us to move from overspending to achieving astute money management. We allow it permanent space in our minds and it lets us know when we are spending prudently and when we are not.

We go through a process that ends with us adopting positive attitude adjustment permanently. It offers ways to recognize why we are in our present situation, ways to conquer harmful habits, and ways to put newfound knowledge into practice. We learn to transition at our own pace; the quicker we transition, the faster we reach goals. Little by little we find our spending mindsets changing as we see that it benefits us - financial stress levels disappear, paying debts off leave us with a sense of empowerment over our future and savings spring up.

We learn to pinpoint our spending motivations and what triggered them. We learn to develop more of a thirst for savings than for spending. We discover that our past spending habits were not in our best interest while discovering a new fun filled adventuresome way to attain financial astuteness.


PART 2

SELF-ENTITLEMENTS

The definition of self-entitlement is the belief that we can justify any purchase, regardless of our ability to pay. They endanger financial stability. Often times we are not aware that we spend in this manner because, unknowingly, we have been programmed to spend beyond our means. More on self-entitlements will be in next weeks article. Tips on how to recognize, deal with and conquer this monster will get us back on the road to better money management.


PART 3

MAKING THE TRANSITION FROM OVERSPENDING TO PERMANENT FINANCIAL STABILITY

With positive attitude adjustment tucked in our minds, when a big bill is up coming, we now know to start putting money aside several months before it's due. We instinctively know to cut back in other areas to prepare for that bill.

We also know that living below our means across the board will benefit us in many ways. It frees money up for all contingencies. We have savings, we sleep stress free, we have money put away for emergencies, money to replace a vehicle, money for college, or that super vacation, or to boost a 401K. We now earn interest instead of paying it.

We now know the difference between realization and rationalization spending, which is still another area that we make ourselves aware of, deal with, and conquer.

Next week: Advertisements and Commercials - How they affect our spending habits and our increasing debt.