How good are you with your money? Do you spend it wisely? Or are you financially insane?

Those are good questions. Which are you? Wise or financially Insane?

If you are a person having financial problems, you might not want to admit it, but to some extent... you're financially insane. When you make bad financial decisions, you are inviting trouble into your life. That's a form of insanity.

Can you relate to this statement: It’s a lot easier to avoid financial difficulty than to get out of it. Think about it, when you mishandle your money, you have to spend so much time and effort to get out of your unhappy situation it can drive you crazy.

Money is such a big part of our lives. It touches everything. We like what Zig Ziglar (yes that is his name) says, “He says money is not important, it’s just right up there with air.” How true.

How many times have you heard someone say they have no idea where their money went. "It just got away from me," they say. Then, not long after that statement is made, you hear they are having financial difficulty. It’s pretty obvious how that came about, isn’t it? They're financially insane about their money.

It’s so easy to buy from emotions. That's the common situation. So often, what we want is not what we need. And, yet, we do it anyway. And truthfully that’s ok to an extent. The problem arises when the emotional spending gets out of hand.

So often, we misuse our funds on items that are not needed at the expense of things that we truly desire. We just aren't thinking straight. Or at all for that matter.

For example, we may save meticulously for a vacation or a retirement, but then, after a year or two, spend the entire amount in a instant of vulnerability on a new stereo unit, which we scarcely use, because we don't have time for it. That’s being financially insane.

At times it can feel like a puzzling relationship exists between how hard you labor to earn money and how quickly you spend it. You may skimp pennies when buying groceries at the store on payday, but later, waste your savings on gadgets that you could readily do without.

Here’s something even more financially insane: How many times do people buy stuff they don’t need with funds they haven't yet earned.

Will Rogers described it well: "Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." Even if we don't desire to admit it, each of us exhibits at least a small bit of this madness at different times in our lives.

Money brings out the uniqueness in each of us. A random idiosyncrasy or oddity in our spending habits is common. But… consistent unreasoned behavior with money is destructive to our well being. We end up working extensive and hard hours to earn money, but don't gain much pleasure and comfort from the items we buy. In essence, that’s what we mean when we talk about people being financially insane.

Behind every unreasoned spending desire is a deep heartfelt need that requires attention. That requirement can be for having too little joy in our lives, power, importance, gaining admiration from others, safety, or self esteem. In other words, we misuse our funds for emotional reasons.

When a person mishandles their funds, they leave themselves very few choices in their life. And the feelings! The feeling of being broke with all the consequences that follow from that sad situation are so painful.

The good news is we can change our choices. We can decide to buy things differently. We can decide to be more observant where the money goes and spend our money more wisely. We can turn things around and become financially sane.

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