Rick Kahler is a fee-only financial planner and industry leader in integrating financial planning and psychology.
Brad and Ted Klontz are the leading pioneers in the emerging field of financial psychology and co-founders of Your Mental Wealth.
Here they answer viewer questions about a variety of money disorders.
Diane, Fla.: I have been overspending for years and just want to be "normal" when it comes to shopping. I wake up every morning and think about what do I need today. I have tried to change my spending, but always seem to revert back to my old habits of buying, feeling great then guilt ridden. How can I get help in my area or are their tools you can offer me to help myself?
Ted Klontz: Diane, A really good, cheap (free), effective source of help is a self-help group called Debtors Anonymous. You can go on-line and find a group and/or meeting in your area. You will find people to help you be -- and stay -- accountable. A second level of help would be to engage a therapist who is familiar and comfortable dealing with clients who have money issues. Go to the Conscious Finance Web site to find therapists who have received training in our model and learn more about our model at www.yourmentalwealth.com.
Denise,Tenn.: My problem is not that I spend money frivolously, but I handle our family finances and when there's not enough money to pay the bills, buy needed things for the family, etc., I have gotten us into serious credit card debt and even made withdrawals from a home equity loan account, all without my husband's knowledge. All I would have had to do is to go to my husband each of those times, but I chose to handle it this way instead. For whatever reason, for which I don't have an explanation, I didn't want to bother him or otherwise disappoint him. Furthermore, I got us into almost this exact same situation about 5 yrs. ago, and we worked it out. However, after being given the trust to handle things again by my husband, I have now gotten us back into the same situation again, even worse this time! My husband is very hard-working, but is indeed on the "tight" side with money. I guess I just need to know why I have a problem going to my husband for the money, rather than trying to handle it myself, and continually getting us into debt. Any suggestions? Thanks.