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    Spent: Break the Buying Obsession and Discover Your True Worth

    4.5 2

    by Sally Palaian


    Paperback

    $14.95
    $14.95

    Temporarily Out of Stock Online

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    • ISBN-13: 9781592856992
    • Publisher: Hazelden Publishing
    • Publication date: 05/06/2009
    • Pages: 240
    • Sales rank: 176,227
    • Product dimensions: 7.30(w) x 9.20(h) x 0.90(d)

    Sally Palaian, PhD, is a licensed clinical psychologist specializing in the treatment of addictive behaviors. She has spoken about the treatment of financial disorders for various therapy associations and has served as an expert in the media on mental disorders and spending. Spent is her first book.

    Table of Contents

    Author's Note xi

    Acknowledgments xiii

    Part 1 Money: A Complicated Problem

    1 A Prevalent Problem 1

    A Cultural Problem 3

    How This Book Will Help 6

    2 The Slippery Slope from Money Problems to Money Addiction 9

    Criteria for Addictions 12

    Deprivation Money Addiction 19

    A Continuum of Money Behaviors 20

    When Money Addiction Overlaps with Other Conditions 26

    Summary 29

    3 The Emotional Sources of Money Problems 31

    How Family Influences Money Behaviors 32

    How Outer Factors Influence Money Addiction 39

    Summary 41

    4 Types of Money Problems 43

    The Materialism Continuum 44

    The Finance Continuum 45

    The Money Problems Matrix 45

    Indulgers 47

    Deprivers 54

    Combinations of Behaviors 58

    Summary 58

    5 How Money Problems Affect Relationships 61

    Money in Relationships: The Inevitable Struggle 63

    Problem Users and Their Partners 64

    How Types of Money Problems Affect a Relationship 66

    When Partners Are Codependents 68

    When Two Problem Users Are Involved 70

    Problem Users Involved with Healthy Money Managers 73

    Summary 74

    Part 2 Solutions: Untangling Yourself

    6 Your Personal Money Behaviors 77

    Your Current Financial Behaviors 77

    Understanding Your Money History 83

    Summary 88

    7 Beginning Recovery 89

    Six Phases of Recovery 90

    Phase 1: Hitting Bottom 93

    Phase 2: Accepting and Following Guidance 97

    Summary 109

    8 Life Visions and Spending Plans 111

    Phase 3: Creating a Life Vision 111

    Phase 4: Living with a Spending Plan 118

    Learning to Make Healthy Spending Choices 142

    Banking Guidelines 143

    Summary 146

    9 Phase 5: Changing Your Thinking, Feelings, and Impulsive Actions 147

    Triggers147

    Preventing Impulsive Spending 159

    Identifying and Coping with Relapse 163

    Summary 168

    10 Phase 6: Living the Abundant Life 169

    Signs of Financial Health 169

    The Sense of Abundance 171

    Finding Balance 171

    Flexibility and Trust 173

    Emotional Authenticity 174

    A Unique Lifestyle 174

    Relationships 176

    Finding True Abundance Within 177

    Appendixes

    Appendix A Are You Codependent? 181

    Appendix B The Signs of Compulsive Debting 185

    Appendix C Forms and Blank Worksheets 187

    Appendix D Resources 213

    Notes 217

    About the Author 219

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    Leading psychologist and financial commentator Palaian offers a tested, step-by-step guide to help people break the spending obsession by looking within.

    Today, Americans are saving less, carrying larger debt loads, losing their homes to foreclosure, and filing bankruptcy in record numbers. Yet, people continue to spend more than they can afford.The advice of financial planners only treats the symptoms of overspending. In Spent, Sally Palaian offers proven plans for taking on a range of personal issues with money by examining those underlying emotional, familial, and societal factors that trigger spending behaviors.Spent teaches readers to control shopping, pay off debt, develop budgets, and become financially competent through:easy-to-use assessment tools designed to pinpoint the severity of a problemquestionnaires that facilitate the exploration of the root causes of unhealthy financial behaviorsuser-friendly exercise created to influence change from withinPalaian's system for financial recovery is also designed to help hoarders, financial codependents, and underachievers attain lasting, positive change and a healthy view of one's true value in life.Leading psychologist and financial commentator Sally Palaian offers a tested, step-by-step guide to help people break the spending obsession by looking within. She has spoken about financial disorders for various therapy associations and has served as an expert in the media on mental disorders and spending, most recently for MSN Money.

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