I Spend Money Responsibly

​I spend money responsibly.
 
I have full appreciation of the value of money. It is easy to want to splurge when there is a surplus of money in front of me, but I am proud of my ability to show restraint.
 
At times, I am tempted to make a spontaneous purchase. But my first consideration is to assess whether I need it. I also consider the impact of the purchase. If I recognize there could be a negative repercussion, I decide against it.
 
Each month, I set aside money for life's necessities. I am responsible enough to first take care of the necessary expenses. I avoid spending frivolously before spending on what's important.

​I know that rainy days may come, so I am sure to save wisely. I put aside enough money to take care of me and my family in the event of unforeseen circumstances.
 
When I make purchases for my kids, I make wholesome choices. There are times when I give in to their wants. But for the most part, I ensure I spend on things that enhance them.
 
I teach my kids the value of money. I am sure to show them the wonderful ways it can be used to help others. I teach them to be responsible citizens.
 
Today, I spend money responsibly. I think about the future and ensure my finances are taken care of.