Dr. Braccio & Dave Akerly of 1320 AM discuss HOW TO CONTROL POOR FINANCIAL MANAGEMENT/OVERSPENDING- Subscribe to our YouTube page! July 13, 2021 A problem for many Americans is how to control their poor financial management/overspending. The following are some steps that a person can take to resolve this problem: 1.Plan a budget and stick to it. 2.Do not let failure stop you from going back on track. 3.Cut up the credit cards. 4.Make money hard to get to spend. 5.Stay away from spending temptations. 6.Grocery shop when not hungry and with a specific grocery list. 7.Make your own meals and stay away from restaurants. 8.Set specific financial goals. 9.Visualize the emotional pain you will have when you overspend. 10. Visualize the future financial “you” and make it happen. 11. Put money into an IRA and/or work matching retirement program. 12. Shop wisely. 13. In a few words, sit yourself down and critically analyze why you make poor financial decisions/overspend and decide to end the problem and become financially responsible…The previous steps can help to that end. If deemed appropriate, you can seek out an experienced financial planner and/or therapist experienced with persons who have problems with financial management/overspending.