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Are you afraid of checking your bank account?

We have all been there before…

not wanting to check our bank account because we know we just “did some damage” with reckless spending

In our heads, it’s easier to avoid the problem than to face it head on. But, if you are like many of us, we quickly realize that avoiding the problem only made it worse over time.

It’s almost like knowing you did bad on a test and then you avoid looking at the grade because you don’t want to face the truth.

Definition of AVOID: to get away from a responsibility through trickery

When you avoid checking your bank account, you are essentially getting away from the responsibility of having the self-discipline to make good spending decisions based on your priorities and goals.

You are tricking yourself into believing that avoiding the reality of your spending is going to make it all go away.

But avoiding the problem makes it worse because you’re prolonging the solution and allowing the problem and stress to linger.


1.Separate your bills money and your fun “spending” money into different accounts.

This eliminates the fear of overspending on things to the point that you spent money that was supposed to be there for your actual priorities. So now, whenever you go out to spend money on fun things, you can take your card dedicated to spending on fun and you can spend without guilt or stress because you know your bills money is safe in another account.

2.Change your perspective from reactive to proactive

This simply means to stop only looking at your account in a reactive state after “doing damage”. Try looking at your bank account every day or about 4x a week to get comfortable with checking in, being aware of how much you have left to spend and being proactive about your choices.

Let’s say you check your bank account after reckless spending, WHAT DO YOU DO FROM THERE?

1. calculate the total of how much you spent

2. compare that total to how much you allocated for that expense in the budget you created

3. if you went over budget, the next thing to do is identify an expense you have leftover money to spend, and reallocate those leftovers to the expense you overspent on so everything balances out

If you don’t have a budget just yet, I would highly recommend creating one ASAP so you can have a clear idea on what your spending should look like based on your income, lifestyle, and goals.

I have created 100+ Customized Budget Plans that give my clients a starting point with building a strong foundation with money along with detailed tips to help them maintain security and confidence with their spending.

Click the button below to learn more about my Customized Budget Plans and how budgeting can transform your life from stressed and unsure to confident and stable!

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