When you go to the supermarket, you may find something you love. So, you put it in your cart without a second thought. When you shop online, you do the same thing. Later, when you check your bank account, you’re shocked you spent more money than anticipated. It’s time to ask: Do you often DO YOU KNOW HOW MUCH MONEY YOU’RE SPENDING? BREAK YOUR HABIT OF OVERSPENDING
provide a one-click checkout option. Additionally, influencers often film themselves shopping with full carts and link their products to an Amazon wish list or “store” so you can easily buy the same things. How do you break the overspending habit? Becoming aware of your spending is the first step, and several online banking apps allow you to track it. They can calculate how much money you spend at certain stores and how often you use businesses and services. When you see the actual amount you’re spending, it can put things in perspective! Furthermore, if you’re at the store and see something you want, stop and ask yourself, “Do I need this?” “Will this purchase help me reach my goals?” “Can I wait to buy this at a later date?” Taking a moment to distinguish between “want” and “need” will help you practice self-control.
It’s also beneficial to create a budget and outline your monthly expenses so you know how much disposable income you actually have after you meet your financial obligations (bills). Creating a budget and prioritizing needs over your wants will help you cut ties with your overspending habit and avoid unnecessary consumer debt and stress. Everyone’s financial situation and goals are different, and budgeting can be difficult. However, a financially savvy friend or financial advisor can help you outline steps to maximize your financial resources. Smart spending habits are at the core of financial success, so don’t wait to get started!
make impulsive purchases? If you feel your money is burning a hole in your pocket, you can change that and be more in control of your spending! How do people develop the habit of overspending? Money is personal — everyone has a different relationship with it. Therefore, it’s essential to understand the emotional needs and habits that play a role in your spending habits. We are all bombarded by advertisements and social media pressure. Businesses use strategies that give a sense of urgency to their consumers — some even
Client Story: Leslie Boggs
Teaching has changed over the years as our nation has. I grew up in an era when I wouldn’t have once considered
Electric and her dad was a factory manager. Growing up, she enjoyed sports, fishing, camping, and hiking. She worked for Bonanza Restaurant while in high school. A graduate of Ohio State University, earning bachelor’s and master’s degrees, Leslie taught graphic design for nearly 20 years in Columbus public schools. While on duty period, she was assaulted by a student
talking back to a teacher, let alone attacking one. I was no angel, yet the very thought of a teacher calling my parents if I misbehaved was enough to keep me in line. Plus, I respected my elders in general. That time has faded. Misbehavior and lack of respect have evolved into a more serious situation. A 2022 survey reported 40% of school districts had at least one teacher physically assaulted or attacked by a student. Our client
root ganglion stimulator, as a regular spinal stimulator provided no relief.
Robert, Leslie’s husband of 38 years, was also a teacher, but he quit his job to take care of her. He knows she is in pain all the time. Family and friends find it hard to see Leslie this way, as she had been so vibrant. I wish Leslie’s story had a happier ending. While we’ve been with our friend from the beginning and got compensation for her loss of limb use and for permanent total disability, no amount of money can compensate for the impact a thoughtless act has had on Leslie’s life and the lives of her family. Leslie’s faith in God is real and sustains her in suffering. We pray the ganglion stimulator and advances in medical treatment will provide relief.
who slammed a 6-foot-long heavy transition gate into her right knee, immediately buckling it. An initial arthroscopic surgery followed by a total knee replacement actually resulted in more problems. Because of postoperative nerve injury related to tourniquet compression, Leslie has been left with persistent swelling, foot
and friend Leslie is one of those. Born in Cape Girardeau, Missouri, Leslie was the youngest of five children. The family moved to Minnesota where her mom was a supervisor at General
drop, and a lifetime of severe pain. At first, she was able to use a walker, but now, Leslie has lost the use of her right leg. Amputation has been considered, but her doctors want to try a dorsal
2
www.monastlaw.com
Made with FlippingBook Ebook Creator