A FitPerez.com reader is in some serious credit card debt. So, they asked life coach Dr. J how they can still buy nice things and have a social life without breaking the bank:
My credit card bills keep growing but I don't feel like I am spending that much. I like to shop, but who doesn't? And my friends and I go out to eat or for drinks a few times a week. I don't feel like there are that many costs I can cut but something has to change because I'm trying to save up for a new car. How do people have so many nice things without going broke?
This is what Dr. J has to say:
Some people create their own LUCK. They "Labor Under Correct Knowledge." They look for the right opportunities, and almost more important, they know when they find them. Other people possess the Hunger-to-Have, and that gives them the energy to create their opportunities. However you get there, that extra effort helps slide open doors that you may not have noticed previously. Your opportunity to set goals and achieve them is here! Do you have the fortitude to open the right door? Starting a saving system takes serious discipline when you keep shopping and spending with your friends. Perhaps it's time to commit to designer duds, dinner, and drinks once a week vs. a few times a week. That small change can make it possible to flirt with your goal of being in the seat of your driving desire. But I'm sure you want to do more than flirt! The only way you are going to Muscle-Up your Money and grow your savings is to be a Conscious Collector of Cash. Manifest a Money Makeover Plan. Seek out Solutions to Save. Prioritize your profits and learn how to become thrifty at the appropriate times. The sooner you take action and change your current spending habits, the sooner you will be in the driver's seat…of that new car and your life. Consider this, "It's not about what YOU drive. It's about what drives YOU!" In your case, both apply!
If you've got a question about how to handle something bothering you in life, shoot us an email or ask the doctor himself @AskDocJ on Twitter!
Tags: advice, credit card, debt, dr j, luck, money, q and a