Category Archives: Addictions
Every person has a unique way of relieving his or her stress. Meditation, hiking, playing sports, reading – these are all healthy and relaxing ways to reduce stress levels. Some people seek temporary comfort in food through a process known as “stress eating.” This can lead to food addiction and unwanted weight gain.
The tips below will help you control stress eating cravings so you can avoid its side effects.
Drink Water Instead Of Eating
When you get the urge to eat outside of meal times, drink water instead. This will fill you up and make you feel less hungry. Water is good for your body, and any food that enters your mouth afterward will absorb some of that water in your stomach. In other words, drinking water before you eat will help you eat less when the time comes.
Find Other Ways To Reduce Stress
Instead of turning to food for stress relief, find other ways to cope with the chaos. If you are overwhelmed by your workload, tell your boss that you have too much on your plate. If you aren’t getting the help you need around the house, talk to your spouse about re-adjusting your responsibilities. Go for a walk, take a yoga class, go on vacation – do what you need to do to keep your stress at a manageable level. After all, there is no stress eating if there is no stress.
Only Eat When You’re Hungry
In many cases, a person will stress eat even when they aren’t hungry. If you get overwhelmed at work, you may reach for a bag of chips without actually thinking about your stomach. Listen to your tummy, not your brain, when it comes to scheduling your eating times. If you only eat when you’re hungry, you won’t have to worry about gaining unexpected weight.
Limit Your Temptations
If you don’t want to munch on cookies all afternoon, don’t keep them in your office. If you spend most of your time at home, rid your shelves of tempting snacks. You can still keep fruit and vegetables on hand, but limit the junk food as much as possible. That way, whatever you end up stress eating won’t go straight to your waist.
Work with a food addiction counselor to learn other ways to control your eating habits, and your self-esteem is sure to skyrocket.
Getting into an addiction recovery program is a solid step in the right direction. This shows that you are committed to your treatment and you want a better life for yourself. The changes won’t happen overnight though. There may come a time when you question just how effective the program really is.
Here are some signs your addiction recovery is working to encourage you to continue your progress.
You Get More Done In The Day
As you progress through your addiction treatment, your productivity levels will naturally increase. The time you used to spend smoking, doing drugs, or drinking can be filled with work around the house, your hobbies, tasks at your job, etc. It may take a little time to notice this at first because your mind will still be focused on the addiction. Continue with the program, and you will get much more accomplished during the day.
You Become More Social
Addictive behaviors can be social experiences, but the quality of your social interactions will be low. For instance, you may be drinking in a room full of people, but your addiction keeps you isolated from group activities. That’s assuming you are coherent enough to know what’s going on. Through addiction recovery, you will become more social and have a better quality of personal experiences. You may develop a new set of friends or get in touch with people you drifted away from during your addiction. The more you surround yourself with positive influences, the faster you can conquer your addiction.
You Feel Less Anxious
People with addictions tend to have high anxiety levels. This could result from a number of circumstances – being worried about people judging you, being afraid that you’ll be caught in possession of illegal substances, feeling a constant need to smoke or drink, and the list goes on. Without the weight of addiction on your shoulders, you will start to feel less stressed. What you once thought was helping you deal with stress is actually holding you back from a stress-free life. Continue to strive toward your goals, and your anxiety symptoms will decrease simultaneously.
You Sleep Better At Night
Some addictive substances may make you drowsy, but that doesn’t mean they help you sleep. If you feel constantly fatigued, it’s probably because your addiction is keeping you from a good night’s rest. With addiction recovery, you will sleep better and wake up feeling more energized. This will further reduce your anxiety and keep your spirits high throughout the day.
You Have Extra Money
If you spend just a little bit of money each time you buy drugs, go to the bar, visit the casino, or the like, you may not realize just how much you’re spending each month. For instance, a person who smokes a pack of cigarettes a day spends an average of $8,500 a year on his or her addiction. Whether you’re tapering off your addiction or completely free from it, you will start to notice more money in your bank account or wallet. This is money that could go toward bills, food, clothing, savings, or future vacations. The longer you remain addiction-free, the more extra money you’ll have on hand.
You Feel Healthier And Happier
Can you remember the last day that you truly felt good, healthy, and happy? One of the biggest side effects of any addiction is the negative mindset after the high. You do whatever it takes to feel that rush of dopamine, only to find yourself disappointed in your own decisions. On top of that, you will feel physically drained from the addiction taking control over your body. That all changes as you complete your treatment program. Depending on what you’re addicted to, you may go through withdrawals for a brief period of time at the beginning of your recovery program. After that though, you’ll feel much healthier and full of life.
Embrace this new chapter in your life – the one you’ve wanted to start for so long. The addiction therapists at Perspectives Of Troy Counseling Centers in Michigan are here to guide you every step of the way.
Shopping addiction and overspending is a common problem for men and women alike. This condition can be tied to low self-esteem, hoarding, relationship struggles, and other addictions. Whether you have recently fallen into shopping addiction or it is something you have struggled with for a long time, there are ways you can control your spending money and subsequently control your addiction. Here are some budgeting tips for shopping addicts, courtesy of our addiction treatment center in Michigan.
Set Up Automatic Withdrawals For Bills
One problem that shopping addicts run into is spending money that should be set aside for bills. Their addiction is so strong that they would rather go to a store than pay for rent, electricity, and other essentials. You can forcefully prevent yourself from doing this by setting your bills up on autopay. Schedule the bill payment dates directly after your pay days so the money doesn’t sit in your account for too long. If you get the impulse to shop, the only money left will be what you can logically spend.
Do NOT Allow Overdrafting On Your Bank Account
When you set up a checking account at a bank, you should be able to opt-in for overdraft. This gives you the chance to pull out more money than you have in the account. Overdrafts can be helpful in an emergency, but they are not ideal for people with shopping addiction. You will have to pay a fee every time your account goes over its limit, and that can quickly send you into debt. It would be better for your card to be declined at a store than for you to rack up excessive fees at your bank.
Only Spend Money From A Certain Card, Account, Or Envelope
The envelope method was a popular budgeting solution decades ago, but most people do not pay their bills in cash anymore. Nevertheless, you could use this to control your shopping addiction. Limit your spending to the money you have set aside in a special envelope in your home. If you do not want to have the money in cash, you could set up a checking account or prepaid card to hold the money on. You don’t want to use a credit card for your shopping money because then you may be tempted to spend more than you have available. Put yourself on a strict budget each month, and you will eventually learn your personal limitations.
For more information about shopping addiction treatment in Michigan, contact Perspectives Of Troy Counseling Centers at (248) 244-8644.
Social media is just as addictive as gambling, drugs, and alcohol. What seems like harmless social interaction is actually a growing problem that can lead to depression, anxiety, social withdrawal, and much more. No matter how old you are or what background you have, you could find yourself addicted to social media. Let’s take a closer look at how social media addiction forms and what you can do to fix it.
Your Brain LOVES Social Media Notifications
Whenever you see a notification on Facebook, Instagram, Twitter, and other social media sites, your brain releases a small amount of dopamine. This makes you feel better on a chemical level. Each time you see a text on your phone or a comment notification, your brain gets excited – similar to what your pet experiences when he or she hears a treat bag open up. This is what triggers the addiction and why it is so easy to fall into.
Social Media Gives You A Sense Of Self-Worth
When you see someone liking your picture or replying to a comment you made, you naturally feel better about yourself. In theory, this makes you feel like you have a greater sense of self-worth. Note the term “theory.” What is actually happening is that you’re relying on your phone and computer for social interaction instead of engaging with your peers in person. At the end of the day, you may feel like you have no friends at all because the only time you interact with them is online. This will lower your self-esteem instead of raising it.
How To Fix Social Media Addiction
Social media addiction is a legitimate addiction. If you quit cold turkey, you may find yourself going through withdrawals. This sparks depression, which makes you want to get back on social media – and the cycle continues from there. You don’t have to eliminate Facebook from your life to control your addiction. You just have to learn how to use it in moderation. Here are some quick tips to try:
- Limit the times in the day when you check your social media accounts (only after work, at least an hour before bed, etc.)
- Talk to people on the phone instead of texting or using private messages
- Avoid social media entirely when you’re out with friends or family members. You can share that picture when you get home.
- Encourage your friends to “unplug” themselves when you go out together so you can truly enjoy your time with one another
- Work with a professional addiction counseling if you are struggling to overcome your addiction
Holiday parties are great opportunities to catch up with friends and spend time with family. For recovering alcoholics though, these events are often filled with temptations for their addiction. Whether you are in an alcoholism treatment program right now or you simply want to avoid drinking at a party, the tips below will help you stay sober at your upcoming festivities.
Ask About Alcohol Ahead Of Time
If you have a few different parties to attend during the holidays, you could ask the hosts ahead of time if there will be alcohol present. If that is only the case at some of the parties, you may choose to attend the ones that will not have alcohol. Most of your friends probably already know that you’re trying to avoid alcohol, but it might be nice to remind them before the big day. That way they are fully prepared to support your decision and most likely will not offer you anything to drink.
Bring Your Own Drink
Grab some soda or bottled water before you go to the party and drink that instead. This will save you from having to ask if there is alcohol in the punch or sifting through a fridge full of beer to get a drink. You could also eat/drink a lot before you get to the party so your stomach feels full while you are there. This may prevent you from needing to drink altogether.
Attend A Family-Friendly Party
Most family-friendly parties are designed for parents and children, so they won’t have alcohol present. If given the choice between an all-adult party and one for the whole family, choose the latter. This is a particularly good idea if you have children because you can bring them along for the fun.
Talk To Your Therapist Or Support Group Before
Before you attend your party, meet with your support group or therapist to talk about the upcoming event. Talk about any apprehension you’re feeling and ways you might be able to cope with that when the time comes. At Perspectives Of Troy Counseling Centers, we offer a number of alcoholism treatment programs designed for every stage of recovery. Our alcohol addiction therapists would love to help you conquer your addiction and improve your quality of life as a whole. To learn more about our programs or to schedule an appointment for alcoholism treatment in Michigan, give us a call at (248) 244-8644.
Shopping addiction is a big issue in Michigan, especially with the holidays quickly approaching. The thrill of finding great deals for gifts and home items can tempt anyone into excessive spending, but this is dangerous for people who already suffer from shopping addiction. By opting to pay with cash instead of credit cards, you can help control some of your urges to overspend. Here is a look at how paying with cash can save you from shopping addiction.
The Physical Component Of Paying With Cash
When you pay for an item with cash instead of a credit card, you have a visual depiction of where your money is going. You can see a $20 bill turn into a $10 bill, then into a $5 bill and then to nothing at all. You are more likely to hold off on impulse purchases when paying with cash because you have a physical connection with the money you are spending. With a debit or credit card, it may not feel like you are losing much because you’re just swiping a card on a machine. Cash creates a much stronger connection, which will ultimately make you more aware of your spending habits.
The Budgeting Mindset Of Paying With Cash
If you are using a budget to control your shopping addiction, you will have an easier time following that budget with cash than you will with a card. You could use the age-old envelope method to set aside money for various projects, gifts, and plans for the future, or you could make sure that you only bring a certain amount of money with you when you go to a store. That way, you won’t have the option to make an impulse buy even if you feel the urge in the moment.
Recent studies show that people who pay for items with credit cards are willing to pay twice as much for the same item as someone paying with cash. Cash makes you more conscientious of what you’re buying and the value you’re getting for your money. You’re more likely to make a wise decision if you use cash instead of a card.
Cash Has No Overdraft Options
Unlike debit or credit cards that may allow you to spend more than your available account balance, cash is finite. There are no overdraft options. You can only spend what you have with you. Overdrafting a bank account or spending past your credit limit could lead you into serious debt because of the fees associated with your purchases. You can save yourself that hassle by opting for cash payments instead.
Quick Tips For Using Cash To Control Shopping Addiction Urges
If you are not used to paying with cash or you have not had success with that in the past, here are some tips to get you started:
- Do not get a debit card for your bank account. This will force you to go to the bank every time you want to withdraw money, which will make it harder for you to overspend.
- Leave credit and debit cards at home. You may be tempted to keep cards around for emergencies, but doing so may create more temptation. If you do end up needing your cards, you should be able to go back to your home to get them.
- Plan a budget for your shopping trip ahead of time. Only carry a little more than the amount of money you think you will spend at a store. You don’t need to have all of your money with you at all times.
- Set withdrawal limits on your bank account. Use this to control how much money you can pull out per day so you do not make excessive purchases.
If you need more assistance with shopping addiction treatment or other addiction therapy, contact Perspectives Of Troy Counseling Centers in Michigan at (248) 244-8644. We will match you with the perfect addiction counselor for your specific needs.
Shopping addiction is a prominent issue in America that often leads to financial stress, excessive debt, social withdrawal, and other addictive behaviors. This time of the year can be particularly difficult for shopping addicts because of the upcoming holidays. Sales and the need to buy gifts create the perfect reason for a shopping addict to play into his or her urge to spend money – but that doesn’t mean that’s what you should do. In the tips below, we will help you fight holiday shopping addiction urges so you can make it through the season successfully.
Put Yourself On A Strict Gift Budget
Budgeting is a powerful tool for shopping addicts. If you can set spending limits (and stick to them!), you can prevent yourself from going overboard with your holiday shopping. There are several ways you can go about this:
- Set a specific budget for each person on your shopping list
- Set a budget for each gift you get in general (Example: “Don’t buy anything over $20”)
- Set a weekly or monthly budget for gift giving to spread the expenses out over time
- Set a limit for the total amount of money you can spend on gifts this year
No matter how you approach this, you have to be realistic with your budgeting. Don’t set a budget of $100 per person if you have 25 people on your list. Even if you are known for getting lavish gifts for people on Christmas, doing so will only fuel the satisfaction you get from shopping. That’s what got you addicted in the first place. Luckily, our addiction counselors in Metro Detroit, MI are here to help you every step of the way so you don’t fall back into old habits. We will help you get through this tempting time.
Don’t Think A “Good Deal” Is A “Good Excuse”
Many shopping addicts are naturally bargain shoppers. Their addiction is fueled by the desire to find a good deal. Just because you find a product at a good price doesn’t mean you have to buy it. By all means, look for bargains when you go out, but don’t use those bargains as excuses to purchase more than you need. Focus on the budget you have set out and the people you plan to buy for to help you stay on track.
Avoid Credit Card Spending
Credit cards are incredibly dangerous for shopping addicts. It’s easy to swipe a card at a register and temporarily forget the debt it is creating. In fact, there have been a number of studies over the last few years that people spend less and are more conscientious about their buying habits when paying with cash instead of paying with a credit card. If you want to tie this into your budgeting plan, you can set up envelopes with cash for each week, each person, each gift, etc. Then you have a tangible amount of money that you can visualize for each transaction. The more accountable you are, the better you will be with controlling your shopping addiction around the holidays.
Choose Specific Days To Gift Shop
There is nothing wrong with taking advantage of Black Friday specials or other sales going on in your area. The main goal here is to set specific dates for your shopping schedule, rather than looking for gifts at every store you go to. This controls impulse buying, which can become an addictive behavior all on its own. If you go to the grocery store, get groceries. If you go to an office supply store for staples, get staples. Save the gift shopping for the days you have specifically set aside for it, and you will learn to control your urges over time.
The terms substance abuse and substance dependence are often used interchangeably, but there are slight differences between the definitions. Neither condition is easy to overcome, but with substance abuse counseling and addiction therapy, you can learn to overcome your urges, fight long-term habits, and achieve a better quality of life. In this guide, we will explore the differences between substance abuse and substance dependence, as well as ways you can receive substance abuse treatment in Metro Detroit, Michigan.
Definition Of Substance Abuse vs. Substance Dependence
Substance abuse is defined as an increased desire for drugs, alcohol, or other substances that could cause potential harm to the body. Substance dependence is a physical need for a specific substance. In other words, substance abuse leads to substance dependence. As a person continues to use drugs or alcohol as a coping mechanism, he or she eventually develops a dependence on that substance.
Both substance abuse and substance dependence can have a major impact on a person’s life. The growing addiction can harm a person’s ability to function at work and in social settings. The effects of the drugs and alcohol may also affect a person’s ability to perform basic tasks, like driving, staying on schedule, keeping up with personal hygiene, and maintaining an organized environment. Whether you suffer from substance abuse or substance dependence, you can benefit from professional therapy like the treatment programs we offer at Perspectives Of Troy Counseling Centers in Metro Detroit.
Warning Signs Of Substance Abuse And Substance Dependence
Substance abuse and substance dependence have similar warning signs. The signs of substance dependence may be a little more apparent than those of substance abuse simply because of the difference in severity. Some of the most common indicators of substance abuse and dependence include:
- Lack of focus or an inability to pay attention to details
- Incoherent speech or talking about irrelevant subjects
- Social withdrawal or sudden changes in social behaviors (going out to the bar frequently, not going out at all, etc.)
- Sleeping at random moments in the day, including at work or school
- Declining grades or productivity at work
- Slurred speech
- Rapid weight loss or weight gain
- Changes in sexual desires or behaviors
- Loss of energy and increased fatigue
- Physical or emotional aggression and irritability
- Dilated or pinned pupils
- Heart palpitations, seizures, vomiting, sweating, headaches and sinus problems
- Flush cheeks or redness around the mouth and nose
- Decreased personal hygiene, including physical care (bathing, brushing hair, brushing teeth) and environmental care (clean house, car, or office)
Even if these symptoms are not present, you may be able to notice substance abuse in yourself or someone you know just by monitoring changes in behaviors. Occasional drug use alcohol consumption can quickly lead to addiction, and that addiction can turn into dependence. If possible, try to take care of the substance abuse at the first signs so you can avoid the hardship of breaking a long-term habit or dependency.
How To Get Substance Abuse Treatment In Metro Detroit, MI
If you or someone you know is in need of substance abuse treatment in Metro Detroit, MI, Perspectives Of Troy Counseling Centers has more than 30 counselors and therapists available to assist you. Each of our mental health and addiction counseling professionals specializes in a unique area of the field, so you will always receive top-quality care personalized to fit your needs. Our counseling sessions are confidential and completely judgment-free, so you can speak out about your struggles and experiences. We want to help you achieve the productive, successful life you deserve because we truly care about your well-being.
Don’t let substance abuse control your life. Contact (248) 244-8644 to schedule an appointment with an addiction counselor in Metro Detroit, MI.
Many people scoff at the idea of being “addicted to sex,” assuming that other people use that term as an excuse for promiscuity. This brings up an important question: Is sex addiction real? The short answer to that question is “yes,” but there is a great deal of clarification to follow. Let’s take a closer look at what sex addiction is, along with tested and proven treatments for sex addiction.
What Is Sex Addiction?
As the name implies, sex addiction is a strong impulse to engage in or fantasize about sexual activities. It is natural for humans to think about and engage in sexual activities, but some people experience these desires at extremely high levels. Sex addiction may cause, result from, or develop in conjunction with other addictions, like alcoholism, drug abuse, spending addiction, and more.
Sex addicts experience many of the same symptoms as alcoholics or substance abusers. They may go through withdrawals after not having sex or acting in self-pleasure for an extended period of time. They may focus on sex so much that it disrupts their quality of life and their ability to interact with other people. Many people find themselves out of work or without friends because of their sex addiction, which can lead to depression, anxiety, and other mental health conditions.
The most important take-away here is that true sex addiction is not just a matter of “feeling in the mood” on a regular basis. This is a condition that becomes debilitating over time, affecting every facet of a person’s life. It’s a series of compulsions and seemingly uncontrollable actions/reactions, not just a passive thought from time to time. Luckily, there are ways to overcome sex addiction and enjoy “normal” life once again.
Signs Of Sex Addiction
There are many behaviors that can be associated with sex addiction, depending on the severity of the condition and the victim’s personal tastes. As a whole, any time sex takes over a person’s ability to perform day to day activities (go to work, attend school, etc.), it’s an addiction. If you feel like you cannot control your sexual thoughts or behaviors, you should seek sex addiction counseling to help you overcome your condition. Here are some common signs of sex addiction that you can watch out for:
- Strong, Uncontrollable Urges To Engage In Sexual Activities
- Recurrent Sexual Fantasies At Any Time Of The Day
- Having Sex As A Way To Cope With Stress, Anxiety, Depression, And More
- Obsessively Planning For New Sexual Adventures
- Sex With Multiple People In A Single Day, Week, Or Month
- Repeated Sex With Prostitutes, Or Engaging In Paid Online Sex Chats
- Going To The Strip Club On A Regular Basis
- Excessive Masturbation Or Watching Pornography
- Engaging In Unprotected Sex With No Regard For Sexually Transmitted Diseases Or The Possibility Of Pregnancy
- Seeking Sex Outside Of A Relationship In Order To Fulfill One’s Desires
Simply put, if you are “chasing the high” that sex gives you or using sex as a way to distract you from other issues in your life, you should seek help for your sex addiction.
How To Treat Sex Addiction
Sex addiction treatment often comes in the form of professional counseling. A patient will work directly with a sex addiction counselor to understand why he or she is behaving a certain way and find creative ways to overcome those feelings. There is a cause behind every addiction – a moment, a feeling, an experience that started the downward spiral. A counselor will work closely with a patient to identify what that cause was/is and figure out how to get past that. By eliminating the source of the problem, you can start to eliminate the problem altogether.
In addition to working with a counselor, a sex addict may take on a new hobby as a way to get through his or her addiction. The idea here is to fill the time and mind-space that sex is taking up with something more productive, like volunteering or playing a new sport. Sex addicts still need to work through the root of the problem in order to truly conquer their addictions, but they may also be able to use distractions to keep their minds occupied and their temptations low.
Sex addiction therapy may be combined with other forms of counseling as needed. For instance, a person facing depression and anxiety in addition to sex addiction may need a counselor who can help him or her cope with all three conditions. Here at Perspectives Of Troy Counseling Centers in Michigan, we pair each one of our patients with the best counselor for his or her unique needs. If you would like to learn more about sex addiction therapy or other counseling services we provide, feel free to give us a call at (248) 244-8644.
According to a new survey from Credit Karma, Detroit has the highest credit card utilization rate in America for adults age 18 to 24. A credit card utilization rate is a ratio of a person’s credit card debt to his or her available credit limit. Detroit’s average credit card utilization rate was 68.3%, which means that young adults with credit cards in the Detroit area are carrying a balance that is more than half of their available credit. Why is this rate so high, and what can Detroit residents do to change those statistics moving forward?
Understanding Credit Card Utilization Rates
Before we can assess why Detroit has such a high credit card utilization rate, we need to understand what that term actually means. Mathematically, this is the total credit card balance someone owes on all credit cards divided by the total credit card limit available to him or her. For example, let’s say you have three credit cards, each with a $500 credit limit. You owe $100 on each card, for a total of $300 in credit card debt. Divide your $300 balance by the $1500 credit limit, and you get a credit card utilization rate of 20%. You have used 20% of the credit available to you.
Credit card utilization rates play a large role in determining a person’s credit score and credit worthiness for future lending applications. Ideally, the rate should be below 30%. High credit card utilization rates indicate high spending and low payments, which may lead banks to believe that you are not good at managing your debt. People with low card utilization rates either choose not to use the credit available to them, or they pay off their balances quickly.
Possible Causes Of Detroit’s High Credit Card Debt Among Young Adults
Why does Detroit have such a high credit card utilization rate among young adults? There are many potential explanations, all with their own unique solution. Part of this may be the result of addictive behaviors, like shopping addiction, impulse buying, hoarding, gambling addiction, etc. Many young adults develop bad spending habits early on because they do not know how to properly control their finances. Being able to buy what they want, when they want is an addictive opportunity – one that comes with costly consequences.
Another possible cause of high credit card utilization rates is depression. Some people who struggle with depression use shopping and spending money as a way to overcome or cope with their emotions. Shopping can become a distraction, and the high of buying something new can make feelings of sadness and hopelessness fade away, even if it’s only for a moment. Many cases of childhood depression go unnoticed or untreated, and they can develop into adult depression later on. No matter what the circumstances may be, it is not uncommon to see someone with major depressive episodes also dealing with debt and financial trouble. That leads to more depression, which leads to more spending, and the vicious cycle continues.
Some may blame the high credit utilization rates on a lack of financial education in America as a whole, not just Detroit. The country is transitioning toward a cashless society, where cards and mobile wallets reign supreme. After high school, young adults enter a world filled with plastic “opportunities.” They see credit cards as free money, rather than sources of debt they have to pay back. By teaching children about credit cards and debt before they become adults, we may be able to cut down on the utilization rates moving forward.
Solutions: How To Overcome High Credit Card Debt In Detroit
Now that we know what the problem is, it’s time to think of a possible solution. This will largely depend on what is causing the high credit card debt in the first place. People suffering from addiction, depression, or other mental health issues may seek the help of a professional counseling center to overcome their impulses. If you are in this predicament, you could work with a counselor or therapist to understand why you behave a certain way and what you can do to prevent those actions in the future.
If the credit card debt is the result of poorly managed finances, you may need to work with an accountant or financial planner to help you create a budget. This budget should include money set aside for personal savings, debt repayment, bills, and personal spending each month. Once you know what you can afford to spend on clothes, food, entertainment, and more, you can avoid hefty credit card bills. Note that if your finances have become overwhelming, you can still speak to a licensed counselor to get through the stress and move forward to a better quality of life.