I don't know if I should have posted this topic here or in the bankruptcy forum but, was compulsive shopping the problem that let you to file bankruptcy because of so much debt related to shopping addiction? If so, have you overcome the shopping problem? and how?
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My BK was not from compulsive shopping - but I can surely understand how that could cause someone to have to file for BK.
Many of my friends are "shoppers" - they GOTTA HAVE IT if its news, updated, or in fashion. They may never wear it, use it, or need it - BUT THEY GOTTA HAVE IT!!!
The worse spenders are the ones that "think" they have to have to newest electronics available. Of course they are very expensive when they come out on the market. Good, used equipment is shoved aside - to make room for the newest stuff.
Some people have addiction to new cars..... think one a year old is too old.... go in get another, refinance.....and pretty soon deep in debt on a car that will never be paid off...
Some people or complusive "grocery shoppers" - they think the shelves at home have to be running over with food.... (must have been hungry as kids).. IF ITS ON SALE - BUY IT........... (don't get me wrong - sale's are good things) overbuying is not!! Many have food on the shelves that they end up throwing away because of age, freezer burn, or bugs get in it.... So they really wasted their money in the long run....
The only way to stop "binge shopping" clothes and new equipmdnt is - STAY HOME.... or play tennis instead of shopping. If you poke in the stores you will spend.
Grocery shopping - make a list and stay with it except for maybe a few sale items you use regularly.
Just my thoughts folks,
Minny
Minny
"It's amazing the paths that our feet sometimes follow in life".
My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different. -
get the book confessions of a shopaholic...........
you can also look to seeking the help of a professional.
good luck!The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.Comment
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In my past, that too was a VERY bad thing I found with having NO experience for properly using credit.
I'd be walking through Wards (Car being fixed and they actually were pretty honest!) and there's be a item that was $400, marked down to $299 and then down to $100.
BUT WHAT FUNCTION DID IT SERVE??? Yes, it was a "Geek Toy" so now when I walk into a dept store, I KNOW what I came there for, I DO NOT look around.
I also now have a filing cabinet which will be holding ALL receipts (Yes, even gas purchases) as I want to actually see where every dime is going...Yes, something I should have done long ago.
I have always thought "Would I be in this trouble if the CC's maxed me at $1,000?"
The answer is a major NO!. But I accept that this damage is MY FAULT and God knows I'd love to pay them off..But...Well, that's for another topic and another section of this forum
As an example, I have an old computer, not because I couldn't get a better one, but do I REALLY need it? No, I don't and that goes for the vehicle I'm letting go.
Too smart, too late
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hey it sounds like you are on the right track, that is a great idea keeping receipts.Comment
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