The 9 Steps to Financial Freedom (21 page)

Do you spend more money on your friends than you can afford to? Why?

Do you find yourself buying more presents for your children for the holidays or their birthdays than feels right to you? Why?

Will you spend money on others but never a penny on yourself? Why?

Do you send things Federal Express or next-day air because they’ll come pick it up, rather than going to the post office to mail it far more cheaply? Why?

Have you ever bought a dress or suit and decided, when you got it home, that it really didn’t suit you, then neglected to return it to the store in time to get your money back? Why?

Do you give to charities because you really believe in the cause or to impress people? Why?

Do you put away as much money as you possibly can for retirement each year? Why not?

Do you borrow things from friends and fail to return them? Why?

Do you sometimes “forget” to pay off personal loans from friends with the same regularity that you’d pay off a credit card? Why?

Do you constantly pay late fees on your bill payment?

Do you send your clothes out for dry cleaning when all they need is a quick once-over with an iron? Why?

Do you often go out to dinner simply because you don’t feel like cooking? At what cost over time? Why?

Do you sometimes pay your bills late when you didn’t have to? Why?