Are you an emotional spender?

Shape, May, 2007

Money as you've heard, can't buy love ... or, for that matter, acceptance or respect. But that doesn't mean your desire for such things isn't fueling your spending habits. "It's easy for emotions like insecurity or guilt to drive you to make purchases you can't afford," says Alvin Hall, author of You & Your Money: It's More Than Just the Numbers. Here's how to tell what's behind some of your splurges--and how to rein yourself in.

HOW YOU MAY FEEL "I deserve to treat myself!"

What's really motivating you If you don't feel validated at work or at home, you may try to buy outward reassurance. One way to tell if you're engaging in retail therapy: Examine your receipts at the end of the week. "No one needs a new dress--or even a new lipstick--every day," says Hall. In lieu of spending, resolve to do one thing a day that makes you happy.

HOW YOU MAY FEEL "Mom and Dad have done so much for me ..."

What's really motivating you You want your parents to feel proud of you, but plying them with luxurious gifts can often trigger worry instead ("Can she really afford that?"). "If you want to show them appreciation, offer to help around the house, or just resolve to drop by more often," says Hall.

HOW YOU MAY FEEL "Nothing's too good for my guy."

What's really motivating you "Lavish gifts can send the wrong message or lead to your disappointment if the gesture isn't reciprocated," says Hall. "Just because you think your love is equivalent to a Rolex doesn't mean that he'll feel that way, and a gift won't change his mind."--GG