.NBCNewsBETTER: If you’re in debt, examine your money blueprint to understand the psychological issues behind your spending habits.
,” says learning to differentiate immediate needs from potential needs helped him revise his money blueprint and stay out of debt for good.Before Roth buys anything, he asks himself, “Do I want/need this right now?”“It makes much more sense to base your buying decisions on your actual circumstances today,” says Roth.
Roth, who lives in Portland, Oregon, says he recently had to replace his kitchen faucet. The project required him to make multiple trips to the hardware store. “At different points along the way I would have to ask myself, ‘Do I want to buy this particular tool that I don’t need right now for this project?’”The method hasn’t turned Roth into a miser, but it does prevent him from buying things he doesn’t need. For example, he’ll buy a book as long as he knows he will start reading it that day.
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