Explain How Have Your Spending Habits Changed Over Time

In The United States these past few years everything has gone from bad to worse dealing with spending money; which has developed economical problems, such as debt. Currently people are spending their money on things that they do not need such as iPods, MTV, and so on. They buy things to satisfy their

* Create a budget- creating a budget will help you not spend more money than you have. Creating a budget will also help you stay out of debt.

Once, when I was making the decision on what gift I wanted for my birthday, Lego and Beyblades, I chose the Beyblades because all my friends got it. I thought it was a fun toy, but after a while, I realized Beyblades didn’t bring me a lot of joy because the toy was a 2-player game. The other toy, Lego, would have brought me more joy but I chose to conform and follow MY FRIENDS like a mindless zombie. . SIMILARLY, WWhen I went to China for amy school trip, again I chose to conform when, we went to the Pearl Market to buy cool gifts for others or ourselves. I went into this tech shop with friends; it sold some toys and some tech gadgets like lego, pokemon, some computers, and phonesThat day, I lost a lot of interest in toys. I was interested in the toys but my friends were buying Beats and

I use to enjoy reading and writing. The joy of going to the bookstore and picking out a great book excited me. I would curl up in my bed and image the world around me as if I was in the book myself. Everything changed during my four high school years.

My mother once said, “Spend your money wisely.” Ever since then I have. Now I want to spend my money on something special, like seeing my sister in Hawaii. In order to have these special things I have to earn money.

First you can get your own money and keep it to yourself. It is better because you can buy whatever want. Save up for your house or things you need. Like groceries, gas or other things. My mom uses her money to buys things she needs. That is why you should keep your money to yourself.

Even with my personal problems, I also have had to make other adjustments in my life. We all know college is very expensive, so money is very limited. I was never really good with money until I started going back to school. I am used to shopping and going out to eat everyday. When the time came for me to cut back on my spending, it was like someone stabbed a knife through my heart. It not like I can’t go shopping anymore, it just means I just can’t buy the high-priced, premium items now. For example, I’m used to buying Gucci, Louis Vuitton, and Prada. The only way I am saving money is by just staying away from those three stores. In just two months I have saved lots of money.

In Chapter 7 of Steal like an artist the author Austin Kleon tells us that in order to get things done we need to be boring. Sometimes we do things that other people do and that can get played out. In this chapter he also talks about money. He tells us that we need to save as much as we can and I have to agree with him. Some people want to spend on things that arnt important or necessary. Am guilty of doing that. But in order to have valuable things later on in life we need to learn how to save. Most of us have jobs and we follow a routine. For example, am a waitress/owner at my job.

I haven’t really made any big purchases, I usually spend my money on little things I need and clothes. I do

Personal Budget Exercise – Excel Creating a spreadsheet track personal business expenses is an excellent use of Microsoft Excel. For this exercise, you will create a spreadsheet to enter a personal budget and track actual expenses for the year. You may choose to use real data or create a fictitious budget using a monthly income amount of $2,500. Here are suggested budget categories if you are not using a real budget. At a minimum, you must have 9 budget categories: Housing (mortgage or rent) Utilities Car payment Insurance Student Loans Food Misc. Entertainment Gas Savings

Do not live a life that you cannot handle, spend within your means. Be honest with yourself, if you can’t afford something, don’t buy it! Affordability is much more than the amount of money in your bank account, it also is how long it will take for the money you spent to be back in your account. Think of your finances as a long term process, not a short term fix. This is also why you should limit your credit card usage. If you rack up your credit card and lose your sole source of income,

Dixie: I feel my spending habits have changed. I used to be a bigger shopper than what I am now. I feel I try to save more money because I never know when something might happen. I don’t borrow money from banks because I feel the interest is high when having to pay it back. My house and car are paid off and like not having the extra bills. Would like to drive something nicer but I don’t want the extra payment. So I do feel I have changed over the

A self-control program was formulated to increase and improve my study habits by using a timer to record hours spent studying each day. I used a positive reinforcer, money (spent on shopping), as a reward for successfully studying a maximum of 4 hours every day. My behaviour modification program was successful for the most part, however, a few implications are discussed which outline the limitations of the program in increasing my desired behaviour of studying. Through the application of Premack’s principle of reinforcement, the consistent behaviour of studying every day for a seven day period was maintained.

Personal budgeting is an important factor in regards to successful long term financial stability. Budgeting has many great aspects as well as showing areas of weakness. It can show the truth about your personal financial spending habits, areas that are not looked at enough, and if there are needs for a larger emergency fund. The reality of personal budgeting is that many people potentially do not keep a personal budget for one reason or another. People also don’t consider the negative effect that it could have on one personally and or how it effects the economy.

When I look back in the past, I would see those days I was working restlessly while studying eagerly at school. I call my father a hero for his encouragement to pursue my studies. I would also remember he kept telling me, “Do not worry about the expenses, and just move forward to accomplish your studies at any cost!” So when I had a problem, I would share it with my father and nothing could defeat me to reach my goals. My father taught me that education is the ultimate goal to succeed while leaving the desperation behind. With the help of my father, I devoted most of my time studying English language and attending computer classes when I was about fifteen. I could hardly