Spent: Break the Buying Obsession and Discover Your True Worth [NOOK Book]

Overview

Today, Americans are saving less, carrying larger debt loads, losing their homes to foreclosure, and filing bankruptcy in record numbers. Yet, people continue to spend more than they can afford.

The advice of financial planners only treats the symptoms of overspending. In Spent, Sally Palaian offers proven plans for taking on a range of personal issues with money by examining those underlying emotional, familial, and societal factors that ...

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Spent: Break the Buying Obsession and Discover Your True Worth

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Overview

Today, Americans are saving less, carrying larger debt loads, losing their homes to foreclosure, and filing bankruptcy in record numbers. Yet, people continue to spend more than they can afford.

The advice of financial planners only treats the symptoms of overspending. In Spent, Sally Palaian offers proven plans for taking on a range of personal issues with money by examining those underlying emotional, familial, and societal factors that trigger spending behaviors.

Spent teaches readers to control shopping, pay off debt, develop budgets, and become financially competent through: easy-to-use assessment tools designed to pinpoint the severity of a problem questionnaires that facilitate the exploration of the root causes of unhealthy financial behaviors user-friendly exercise created to influence change from within

Palaian's system for financial recovery is also designed to help hoarders, financial codependents, and underachievers attain lasting, positive change and a healthy view of one's true value in life.

Leading psychologist and financial commentator Sally Palain offers a tested, step-by-step guide to help people break the spending obsession by looking within. She has spoken about financial disorders for various therapy associations and has served as an expert in the media on mental disorders and spending, most recently for MSN Money.

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Product Details

  • ISBN-13: 9781616491376
  • Publisher: Hazelden Publishing
  • Publication date: 4/7/2011
  • Sold by: Barnes & Noble
  • Format: eBook
  • Pages: 240
  • Sales rank: 706,427
  • File size: 4 MB

Meet the Author

Sally Palaian, Ph.D., is a licensed clinical psychologist specializing in the treatment of addictive behaviors. She has spoken about the treatment of financial disorders for various therapy associations and has served as an expert in the media on mental disorders and spending, most recently for MSN Money. Spent is her first book. She lives in Bringham Farms, Michigan.

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Table of Contents

Author's Note xi

Acknowledgments xiii

Part 1 Money: A Complicated Problem

1 A Prevalent Problem 1

A Cultural Problem 3

How This Book Will Help 6

2 The Slippery Slope from Money Problems to Money Addiction 9

Criteria for Addictions 12

Deprivation Money Addiction 19

A Continuum of Money Behaviors 20

When Money Addiction Overlaps with Other Conditions 26

Summary 29

3 The Emotional Sources of Money Problems 31

How Family Influences Money Behaviors 32

How Outer Factors Influence Money Addiction 39

Summary 41

4 Types of Money Problems 43

The Materialism Continuum 44

The Finance Continuum 45

The Money Problems Matrix 45

Indulgers 47

Deprivers 54

Combinations of Behaviors 58

Summary 58

5 How Money Problems Affect Relationships 61

Money in Relationships: The Inevitable Struggle 63

Problem Users and Their Partners 64

How Types of Money Problems Affect a Relationship 66

When Partners Are Codependents 68

When Two Problem Users Are Involved 70

Problem Users Involved with Healthy Money Managers 73

Summary 74

Part 2 Solutions: Untangling Yourself

6 Your Personal Money Behaviors 77

Your Current Financial Behaviors 77

Understanding Your Money History 83

Summary 88

7 Beginning Recovery 89

Six Phases of Recovery 90

Phase 1: Hitting Bottom 93

Phase 2: Accepting and Following Guidance 97

Summary 109

8 Life Visions and Spending Plans 111

Phase 3: Creating a Life Vision 111

Phase 4: Living with a Spending Plan 118

Learning to Make Healthy Spending Choices 142

Banking Guidelines 143

Summary 146

9 Phase 5: Changing Your Thinking, Feelings, and Impulsive Actions 147

Triggers147

Preventing Impulsive Spending 159

Identifying and Coping with Relapse 163

Summary 168

10 Phase 6: Living the Abundant Life 169

Signs of Financial Health 169

The Sense of Abundance 171

Finding Balance 171

Flexibility and Trust 173

Emotional Authenticity 174

A Unique Lifestyle 174

Relationships 176

Finding True Abundance Within 177

Appendixes

Appendix A Are You Codependent? 181

Appendix B The Signs of Compulsive Debting 185

Appendix C Forms and Blank Worksheets 187

Appendix D Resources 213

Notes 217

About the Author 219

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