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Hey folk, please answer these questions truthfully:

1.) Does your spouse or partner complain that you spend too much money?

2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you ha*d?

3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.) Do you own every new ga*dget before it has time to collect dust on a retailer’s shelf?

5.) Do you bu*y things you didn’t know you wanted until you saw them on display in a store?

So, if you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

You know, this is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Therefore, Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

A*dvertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you bu*y anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to bu*y. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Have Fun.

Hey folk, all types of everyday activities are growing in popularity online these days like sharing photos and greeting cards. In fact, both of these even go hand in hand with online dating opportunities, one of the most popular online activities for singles today.

So, before actually meeting in person, many dates get acquainted online first. Here’s how.

The First is Photos - As a wonderful keepsake of your budding romance, create an online photo album for your new cyber-mate. Include digital photos of favorite outdoor scenes, pets, flowers, cars, silly moments, your computer corner or laptop, etc. Then you’ll even have more to discuss during online dates via emails and chat rooms. Search for “photo albums” to find places that store your photos.

The second is Greeting Cards- Regardless of where the person lives, you can mail a greeting card. If privacy and security is an issue, check into renting an inexpensive P.O. Box (check the Yellow Pages). You do not have to be an artist to make something homema*de and special for the new frien*d in your life. Even making a special, personalized greeting card would be appreciated and show your date that you care enough to take the time needed to make something by hand. Search your favorite search engine for online greeting cards to send, too. They range from fre*e to low cost and can be sent in a click.

So get online and get active! No need to risk meeting in person until you get more familiar with each other online first. So take the online plunge!