Working with families is a rewarding but also frustrating experience at times. Most American families carry an average credit card debt of $15,000.00. When I dig into the what's in those credit card bills I find many purchases that were more about "wants" than "needs".
For example, one family I worked with the wife had a shoe addiction. She would make Amelda Marcos proud. If you don't know who she is, look her up online. (Note: This is the woman who said, " I did not have three thousand pairs of shoes, I had one thousand and sixty.")
This wife in particular had so many shoes it took 2 closets and a storage bin to hold them all. The family was in debt and this is where some of the money was going. I remember holding up a very ostentatious pair and asking, "Did you really need these?" Without a hint of remorse she decried, "But it was on sale; 30% off!"
Listen carefully if this is you...
When anything is 30% off, it also means that it's 70% ON your credit card bill. And if you don't pay for those shoes right away, you may very well wipe out that 30% discount if it stays on your credit card long enough. When you're in debt, a sale is not a justification to buy! A pair of shoes is NOT a need, it's a want that you simply cannot afford!