{"id":223,"date":"2010-01-07T18:32:42","date_gmt":"2010-01-07T18:32:42","guid":{"rendered":"http:\/\/blog.beliefnet.com\/yourdailyspiritualstimulus\/2010\/01\/recovering-from-holiday-over-spending.html"},"modified":"2010-01-07T18:32:42","modified_gmt":"2010-01-07T18:32:42","slug":"recovering-from-holiday-over-spending","status":"publish","type":"post","link":"https:\/\/www.beliefnet.com\/columnists\/yourdailyspiritualstimulus\/2010\/01\/recovering-from-holiday-over-spending.html","title":{"rendered":"Recovering from Holiday Over-Spending"},"content":{"rendered":"

\"iStock_000007722229XSmall.jpg\"<\/a><\/span>
Did you overspend over the holidays and now feel worried and stressed about the added debt? Well, you’re not alone. Many people get caught up in the moment and spend impulsively during the holidays. <\/font>It happens.<\/p>\n

Here’s a few things you can do to try to recover:<\/p>\n

1. To avoid becoming overwhelmed, try spending 15
\nto 30 minutes a day managing your finances and debts to the best of
\nyour ability and then put it away. Let it go. Managing your debt one
\nday at a time will help you to make consistent progress. Make a
\nplan…do the best you can.
<\/font>
2<\/font>.<\/font> Understand that you are not your debt. You debt represents where <\/i>you are financially, not who <\/i>you are. <\/p>\n

3.
\nMake a commitment to understanding your spending patterns so that you
\ncan form a new awareness around your shopping habits and impulses. Keep
\na small notebook to record both your daily purchases and your mood or
\nemotions at the time of purchase. Notice if you tend to shop or buy
\nimpulsively for emotional reasons.    <\/p>\n

4. If you have any
\nfeelings of guilt or shame associated with your spending or debt, work on
\nforgiving yourself and releasing the past. The past is history and you
\ncan choose to do it differently.<\/p>\n

5. Find new ways to cut back and simplify your life personally and financially.  What is is that you truly need<\/i>
\nto be happy and feel secure? This is a great time to have a potluck
\nwith your closest friends or family and watch Wayne Dyer’s new film, “The Shift”<\/a>.  <\/p>\n

5. Make a Spending Plan that
\nincludes both saving and debt repayment to the best of your financial
\nability. Even little efforts will make a difference and will increase
\nyour self-esteem.<\/p>\n

6. If your debt load is overwhelming and preventing you from sleeping or
\nliving a normal life, it is important to seek the help of a certified
\ndebt or credit counselor. Remember, you deserve help and support, so reach out for
\nassistance.<\/p>\n

7.
\nDebt can create stress in your life, so integrate stress management
\ntechniques into your daily life and nurture yourself by exercising and
\neating well.<\/p>\n

8. If you’re financial circumstances are causing you to feel deeply depressed or unable to cope with your financial circumstances, seek the help of a professional. You don’t have to figure it out alone!<\/p>\n

Peace & Blessings!<\/p>\n

<\/font><\/p>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

Did you overspend over the holidays and now feel worried and stressed about the added debt? Well, you’re not alone. Many people get caught up in the moment and spend impulsively during the holidays. It happens. Here’s a few things you can do to try to recover: 1. 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