More recently, everyone is getting conscious of their health, body, hair. etc. You hear of different kinds of cleanse/detox such as; green detox, fruit detox, master cleanse, clean 9, vegan detox. People even detoxify their hair of all chemicals by having the big chop and going natural. However, I am happy to introduce to you a different kind of cleanse – The money cleanse.

So what is a money cleanse? It is simply getting back to your basics by eliminating all extra financial baggage and taking charge of your finances in the area of income, savings, investments, wealth creation and expense. The same way you detoxify your body/hair so as to get rid of toxins, curb craving, have a healthier skin / hair and a glowing complexion, that is the same way you can also have a money cleanse and also expect to have a healthier finance at the end of the cleanse.

Are you wondering if you need a money cleanse? If you exhibit more than 2 of the following signs, you sure need a money cleanse.

1. Your spending is out of control and you can’t resist buying on impulse.

2. You live from pay check to pay check and you get desperate/angry at your company’s payroll manager if there is any delay.

3. Your monthly total expenses is higher than your income and you are living in perpetual debt.

4. You struggle to keep up with your basic need/expenses such as house rent, school fees etc.

5. You have blocked some callers on your phone and avoid going to places where you will run into them because you owe them.

6. You always try to please your friends, colleagues and keep up with their trend so as to have a feeling of belonging. Simply put, your spending decisions are based on peer pressure.

7. You feel sad each time you look at your account balance and you do not have any savings/investment.

8. Your account officer is always calling you to fund your account, else they will bounce the cheque you gave to a third-party.

9. You are always buying same items or paying for same services at a higher amount than others. Simply put, you lack negotiation skills.

10. You support your excessive spending and false living with Matthew 6: 25-26. (For this reason I say to you, do not be worried about your life, as to what you will eat or what you will drink; nor for your body, as to what you will put on. Is not life more than food, and the body more than clothing? 26“Look at the birds of the air, that they do not sow, nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not worth much more than they?)

If you answered yes to more than two (2) of the above, my dear you need money cleansing. Kindly proceed http://akaglue.com/want-to-be-thrifty-spender-top-tips-on-becoming-a-cash-savvy-spender/#more-97 to start re-learning the basics.

I remain AKAglue, your personal finance coach. www.akaglue.com