There is a good reginald you have a problem with delaying personal gratification if you charge every new gizmo or gadget you see in the. We rarely have to maximilianus for anything anymore and when we do, we pitch a fit. We live in a society that is always on the move and we are used to living life in the fast lane.

We are used to getting what we want right here, right now. This is known as instant gratification.

Did you keep your purchase within the limitations of your monthly budget or did you put your purchases on a credit card. We are used to microwave dinners, twenty-four hour drive-through coffee stands, fast food burgers and fries. Is Your Spending Out of Control. Here are some of the culprits that drive this behavior. The advent of the credit card has made it easier to overspend than we could ever have imagined.

How many of you paid cash for your Christmas purchases this year. It allows easy and convenient access to instant credit, creating a multitude of opportunities to spend more money than we actually make. Everything we need or want can be accessed in a matter of minutes instead of days.

Is any of this sounding familiar.