BLOG – How can I help someone I know change their shopping and overspending habits? (2 minute read)

Last weekend Andrea bought a signed copy of Underspent for every adult member of her family and copies as ‘stocking fillers’ for the kids in her extended family. She wants everyone to spend a little bit less and save a little bit more in 2019. How good is Andrea buying an Underspent book for everyone in her family?

“How can I help someone I know change their shopping and overspending habits?” is a common question.

It’s important to understand the process of change. A person who has unhealthy shopping habits, who’s overspending and who has lots of debts and financial stress might not be ready to change.

There are several stages of change:

1. Unaware – Not recognising there is a problem. In this stage we can quietly and privately encourage family/friends to have a short conversation about their behaviours and financial problems.
2. Contemplative – Starting to think there may be a problem. At this stage we can gently discuss how their behaviour is impacting others. Let them know that you are worried about them – this may be a ‘reason to change’.
3. Uncertainty – Seeing equal reasons to change and stay the same. In this stage we discuss the advantages and disadvantages of changing or staying the same. What are the benefits for them of changing?
4. Prepare – Decide to change and getting ready. At this stage we chat about how change has happened in the past, what was accomplished, what were the challenges and what worked well. Remember change requires continuous support.
5. Action – Actively addressing the problem. In this stage be supportive, offer words of encouragement and tell them about the positive changes that you can see. Remind them that change requires continuous support.
6. Maintain – Changes made and working on maintaining the change. At this stage it’s important to keep their motivation high and to remind them of the positive changes you have noticed. Encourage reinforcement of positive gains. Offer to look out for signs of relapse.

Are you – and the people you know – ready to change: to spend a little bit less and save a little bit more in 2019?

What are the reasons for you – and the people you know – to change: to spend a little bit less and save a little bit more in 2019?

BUY the Underspent book. Available in e-book, iBook & kindle formats ($2.99) or paperback ($12.99) here ‪https://amzn.to/2uGHYJh‬ plus all good book shops and online stores OR get a signed copy from me via my website ‪www.cyclingrachelsmith.com ‬

SPECIAL OFFER. Perfect for finance companies, HR teams and conferences. 100 Underspent books for $1,000 (plus P&P if outside Brisbane). Email me to place your order Rachel@cyclingrachelsmith.com

Until next week…