It Rules The World, But Does It Rule You?

Love, Self

3 simple steps to responsible spending

A new Verizon Wireless ad I heard ended with something like this:  "After all, we all want more!" 

Indirectly it was referring to a data plan, but it started me thinking — do we really? Packaged in talk about data plans, I knew it was really trying to grab me in that unconscious buying place. You know the place I'm talking about, that place where you wake up the next morning (day or week) and say, "What just happened?"

It's the place where you upgrade your contract and then upgrade your phone. It's the place where you buy a new car loaded with bells and whistles you don't need. It's the unconscious buying place that gets you at your vulnerable spot — where, in the moment, anything can be justified.

Luckily my money radar was on and instead of signing up for that new program, it mostly made me think: "Now that's a big statement. It really begs the question, more what?" Anytime we buy something based on someone else's what, we end up ignoring our own what.

In the moment you think, of course I want more data and then you remember, you don't even use all your data. You fall for BOGO when all you really need is one! It's the same reason you add the XM radio package to your new car only to remember your idea of car radio more is NPR!

So how do you get conscious and remember your more what instead of theirs? Here's three simple steps:

  1. Stop. Seems simple enough but sometimes this step is the hardest. We move in a fast paced world that tries to keep us moving even faster. Make a decision now and make it fast before the opportunity is lost. Wrong! Stop, take a deep breath and take all the time you need for the next two steps.
  2. Look. Now that you've stopped, clear your mind and look for the what you're responding to. Look what's underneath, not just the data plan but the deeper message. The one that's convincing you that you don't have enough (or aren't enough). Be honest with identifying the hook that's grabbing you — especially when it's something you'd rather ignore.
  3. Listen. Armed with the real message they're throwing at you, listen to what your internal voice is telling you. What do you really want, when it comes to more? Is it more free time, peace of mind, a simple life or more money in the bank? Listen to your voice until it becomes louder than that other one — the voice that wants you to take their journey, not yours!

Stop, look and listen — simple advice — something we all learned in kindergarten. Remember that's the place where you learned all the most valuable lessons of your life!

Jane works with individuals and couples in person, by telephone or Skype. As coach, consultant and trusted advisor, Jane will help find a new way of thinking about and living with money. During a series of six meetings you and Jane will co-create the best way to solve your specific money issues. Along the way, you may choose to continue working with Jane to tackle other business, work, and life issues.