lesson 12: Thou SHALT not spend when..

thou is Sad, Hungry, Angry, Lonely or Tired (ie SHALT). Remember that retail therapy is not a healthy option for feeling better. And especially with the festive season upon us, don’t go overboard in the heat of the moment, letting your emotions control your spending. Do a list of gifts and expected price and keep to budget!! Make up any shortfall with hugs and kisses and quality time.