top of page

Day 15 – Four Calling birds… Know Thyself

Updated: Dec 18, 2023

When are you most likely to splurge?

The countdown continues!

The Twelve Days of Christmas has been a festive tradition for centuries. You may know the song, but do you grasp its true significance?

On the fourth day… it's a reminder that the holiday season is more than just material gifts.

It's an opportune moment for reflection, gratitude, and, above all, self-awareness.

Pause and consider the motivations behind our decisions and choices. Particularly when it comes to unplanned purchases.

So - When are you most likely to splurge? And would that put a strain on your finances?

In a world inundated with marketing strategies and a constant push to spend, understanding oneself becomes a powerful tool. Recognizing the triggers that lead to impulsive purchases and cultivating inner wisdom become essential skills in navigating the consumer-driven landscape.

H.A.L.T. Before You Spend: Hungry, Anxious, Lonely, Tired

These four emotional states render us susceptible to impulsive buying decisions.

Taking a moment to assess your emotional state can be a game-changer.

H.A.L.T. is a practical strategy to prevent unnecessary expenses.

Before reaching for your wallet or swiping that credit card, ask yourself: Are you experiencing hunger, anxiety, loneliness, or fatigue? This can help to avoid regrettable purchases.

Together with putting healthy rules in place to condition positive behavior and habits.

Whatever the emotional state you’re experiencing.


Here are some actionable tips:


Make a Purchase List: Distinguish between needs and wants. Prioritize essentials and allocate a specific budget for indulgences.


Adjust Your Path: Change your travel route to avoid tempting shops and impulsive purchases.

A slight detour can keep your budget on track.


Timing is Everything: Skip grocery shopping when hungry or tired. Shopping on a full stomach ensures you make rational food choices.

Tis the season to infuse our approach with mindfulness, celebrating not just the festivities, but also the awareness of our own selves. Today and every day.

If you're interested in bringing financial education to your home, organization or community, Let's chat!


11 views0 comments


bottom of page