By Alan Prahl

Do you feel the urge to splurge on the perfect present? You’re not alone. Twenty percent of Americans say they have spent $1,000 or more impulsively.

Sometimes we splurge on special gifts for others or ourselves. Too much spending —during the holidays or anytime — can lead to financial stress and pain-in-the-butt debt.

Thirty years ago, if someone said, “We can afford it,” they probably meant they had cash or money in savings. For many people today, “We can afford it,” means we have access to credit and will make payments. Used wisely, credit can help us live a better life. But when overused, debt can build up and become a stressful, unmanageable burden.

Want to break free from the stress of overspending? Try FISC’s The Power of Money workshop. For more information, visit or call 920-886-1000.