Magda Doemeny

And I find that if folks will get rid of, cut out the debt for, you know, three or four of their 10 cards, then they go, oh. I have $5,000 I can spend. And we go right there. So it's not as though I don't want to tackle that. And I want to talk about that in a moment. But the first thing I want to tackle is your spending and what's happening here.

And I find that if folks will get rid of, cut out the debt for, you know, three or four of their 10 cards, then they go, oh. I have $5,000 I can spend. And we go right there. So it's not as though I don't want to tackle that. And I want to talk about that in a moment. But the first thing I want to tackle is your spending and what's happening here.

So I'm super excited that you signed up for an app and that you can actually do the work and look at it. Because the first part of this process is actually understanding that dollars in and dollars out. And it is work. People think, oh, I'll just plug in my stuff and everything shows up and I can see everything. And that's not always true.

So I'm super excited that you signed up for an app and that you can actually do the work and look at it. Because the first part of this process is actually understanding that dollars in and dollars out. And it is work. People think, oh, I'll just plug in my stuff and everything shows up and I can see everything. And that's not always true.

So I'm super excited that you signed up for an app and that you can actually do the work and look at it. Because the first part of this process is actually understanding that dollars in and dollars out. And it is work. People think, oh, I'll just plug in my stuff and everything shows up and I can see everything. And that's not always true.

Like you have to mentally go in there and kind of categorize it and make sure it's accurate, which is what you're starting to do. For you though, depending on how this goes, I also want to talk about some behavioral changes that you can do that actually wouldn't

Like you have to mentally go in there and kind of categorize it and make sure it's accurate, which is what you're starting to do. For you though, depending on how this goes, I also want to talk about some behavioral changes that you can do that actually wouldn't

Like you have to mentally go in there and kind of categorize it and make sure it's accurate, which is what you're starting to do. For you though, depending on how this goes, I also want to talk about some behavioral changes that you can do that actually wouldn't

require the app and it would be supplemental to that process so one thing that came to mind when you were talking about shopping is that it sounds like right after right after you do it or shortly after you do it you almost say why did i do that and so something that i would challenge you to do is create one day a week that's your return day every sunday you sit down you look at what you bought and you return as much of whatever it is that you just bought that you said after you bought it do i really need this

require the app and it would be supplemental to that process so one thing that came to mind when you were talking about shopping is that it sounds like right after right after you do it or shortly after you do it you almost say why did i do that and so something that i would challenge you to do is create one day a week that's your return day every sunday you sit down you look at what you bought and you return as much of whatever it is that you just bought that you said after you bought it do i really need this

require the app and it would be supplemental to that process so one thing that came to mind when you were talking about shopping is that it sounds like right after right after you do it or shortly after you do it you almost say why did i do that and so something that i would challenge you to do is create one day a week that's your return day every sunday you sit down you look at what you bought and you return as much of whatever it is that you just bought that you said after you bought it do i really need this

Right there, you could save maybe hundreds of dollars by actually taking action on what your internal body had already said, like, why did I do this? Most of the things you purchase can be returned. If I had a dollar for every time I'm there handing that thing back to them, I'd be a lot wealthier. So that's one thing that you could try to implement is pick a day that you do returns.

Right there, you could save maybe hundreds of dollars by actually taking action on what your internal body had already said, like, why did I do this? Most of the things you purchase can be returned. If I had a dollar for every time I'm there handing that thing back to them, I'd be a lot wealthier. So that's one thing that you could try to implement is pick a day that you do returns.

Right there, you could save maybe hundreds of dollars by actually taking action on what your internal body had already said, like, why did I do this? Most of the things you purchase can be returned. If I had a dollar for every time I'm there handing that thing back to them, I'd be a lot wealthier. So that's one thing that you could try to implement is pick a day that you do returns.

Well, I want to ask you one question about what you said, which is that I need it all. That word is something that I think sometimes we say to ourselves so loosely, but we all know that. And you would say you don't need it. Right. What is the word that we actually are saying? We don't. Wanted. Right.

Well, I want to ask you one question about what you said, which is that I need it all. That word is something that I think sometimes we say to ourselves so loosely, but we all know that. And you would say you don't need it. Right. What is the word that we actually are saying? We don't. Wanted. Right.

Well, I want to ask you one question about what you said, which is that I need it all. That word is something that I think sometimes we say to ourselves so loosely, but we all know that. And you would say you don't need it. Right. What is the word that we actually are saying? We don't. Wanted. Right.

And so I do think if there is time at all during any exercise of purchasing, a funny story I tell a lot of clients is that when I was in high school, which tells you a lot about me, I would go to a store with my girlfriends, usually Target, and everyone would be ready to check out. And I would make everyone stop before we checked out and take one thing out of their cart.

And so I do think if there is time at all during any exercise of purchasing, a funny story I tell a lot of clients is that when I was in high school, which tells you a lot about me, I would go to a store with my girlfriends, usually Target, and everyone would be ready to check out. And I would make everyone stop before we checked out and take one thing out of their cart.

And so I do think if there is time at all during any exercise of purchasing, a funny story I tell a lot of clients is that when I was in high school, which tells you a lot about me, I would go to a store with my girlfriends, usually Target, and everyone would be ready to check out. And I would make everyone stop before we checked out and take one thing out of their cart.