Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Monday, July 12, 2010

The Repetition of Compulsive Shopping

The repetitious quality of compulsive shopping is part of the addictive process. By doing something, like shopping, over and over again with the hope of a different result is in large part why someone would repeatedly shop (till you drop) or develop credit card debt, not just once, but several times. The repetition that is involved in compulsions needs to be understood and dealt with in order to overcome a compulsion and resolve the need to re-engage in the behavioral process. It can be compared to dieting. For instance, if dieting were effective in helping someone overcome compulsive eating then the dieting industry would be out of business. Dieting only curbs the behavioral addiction to eating temporarily by focusing on the "food" rather than the "eating process". The same would be true for a budget for a compulsive spender. Incorporating a budget to get out of debt will only curb the spending temporarily by focusing on "money" rather than the "spending of money". Without looking at and trying to understand the process of compulsive spending the repetitious quality of the shopping will once again grab hold and provide the emotional glue that holds the person together. It is imperative to incorporate both behavioral change, such as a budget, as well as understanding the behavioral and emotional process of compulsions to achieve and sustain long term change.

Tuesday, May 25, 2010

What is Your Tipping Point? When retail therapy becomes a compulsion

If you are reading this blog you may have before now asked yourself, "When does my 'retail therapy' become a real, serious concern?" Meaning, do I need help with controlling my urges to splurge? This question was posed to me in a recent interview with Stephanie Berenbaum of the website Fabulous & Frugal. I thought it was an excellent question because it draws the line as to when a person needs professional assistance beyond helpful information offered in magazines, talk shows and valuable websites geared to provide "guidance" as opposed to psychological help.

My answer was not black or white, but, of course, grey. The tipping point for one person is not the same as the tipping point for another and the process of a professional assessment can help differentiate what the tipping point for a specific person is and what a treatment plan in helping someone would look like.

However, this blog is for you, right now, to begin, perhaps, in asking yourself, where am I at? Do I compulsively shop in terms of my own values, limitations, standards and variables? Here are some questions, also offered on my website, www.angelawurtzelmft.com, that you can ask yourself today, in this very moment.

  • A=Almost Always
  • O=Once in Awhile
  • I=Infrequently
  • N=Not at all

  • Do you buy things you want even if you know at that moment you do not have the money to pay for it?
  • Is it difficult for you to save money?
  • When you have some “extra” cash that you could save, instead, you think of other things you would like to buy?
  • Do you cheer yourself up or give yourself a reward by “going shopping”?
  • Does more than a third of your income go to pay credit card bills (not including rent or mortgage payments)?
  • Have you had to move credit lines because you typically don’t have the money to pay off your credit line?
  • Do you pay the minimum balance on your credit card most of the time?
  • Are you inclined to keep buying more of your favorite things- clothes, makeup, cd’s, books, computer software, electronic gadgets – even though you do not have a specific need for them?
  • When and if you have to say “NO” to yourself, or control yourself from buying something you really want, do you feel intensely deprived, angry or upset?
If you have four or more A’s and O’s you have overspending tendencies. If you answered A or O to the last question, you are most likely someone who may grapple with compulsive shopping. That question seems to be the most potent indicator of a serious problem.

So, now that you have taken this small, yet meaningful, quiz, where do you think you stand in relationship to your spending trends and ideals? How would you determine your tipping point and what would you base it on?

Please, write your responses and we will start a dialogue!

Tuesday, July 14, 2009

Oniomania, otherwise known as Compulsive Spending

I thought I would start this blog with reality. Compulsive shopping is a true disorder. The medical term, according to Wikipedia, is Oniomania, the compulsive desire to shop. I italicized desire because desire indicates a feeling not necessarily an action. Feeling and doing are most likely related but not the same thing. So when a person who feels like shopping that doesn't mean, a) that the person will shop or b) that the person has to shop or c)that the person will buy something. It just means the person experiences an overwhelming urge to shop.

I make this distinction because I think in the treatment of compulsive shopping it is imperative to separate feelings from actions. I say this because as I am doing research for this blog I am finding tips on the internet that address compulsive shopping like things to do instead of shop, or things to do to keep yourself from shopping. For instance, go for a walk or take a bath... hmmm, that doesn't sound quite as enticing as say, Marc Jacobs shoes at Nordstrom, or a stroll through Target. My point is two fold. One, the suggestions offer actions to get rid of feelings which is a substitution for the symptom in the first place. And two, the suggestions are intellectual, rather than emotional, and therefore, the suggestions do not work in the long run because emotions typically override intelligence and what one "knows is right". I propose addressing Oniomania from an emotional point of view which would mean attempting to understand the feelings, and eventually tolerate them, rather than get rid of them. And, two, recognizing the resistance to do the right thing. For example, my favorite suggestion to stop compulsive shopping is to develop a budget, which, of course, there would be no compulsive shopping if one was able to follow a budget. From my theoretical perspective, I recommend writing down ten reasons to resist having a budget.

These 10 reasons will offer more insight into why compulsive shopping and not having a budget has a curative, purposeful effect on one's emotional life than any steps taken against the urge and action to compulsively shop. This new understanding can lead to sustained change over time as opposed to a quick fix.