You work, you spend. You work, you spend. And you never seem to get ahead.

If this is normal for you, then you are running full speed on the Earn & Spend Treadmill; you’re using all of your energy and getting nowhere. To safely get off of the earn and spend treadmill, you need to slow down your spending pace, and conserve some of your income energy. Think of it as fuel efficiency; you want to get more miles to the gallon!

The key to getting control of your spending is to discipline your thinking by being able to differentiate between your wants and your needs. Needs are things you can’t live without, and wants are things you CAN live without. Knowing the difference is half the battle. Take this quiz and see where you stand - or fall!