A Clinton financial coach is growing concerned by some trends she noticing.

Connie Unruh is a financial coach with First National Bank in Clinton is seeing so many clients using credit cards for things they cannot afford. 

According to Unruh, the principles of budgeting are simple but most people lack the discipline to properly execute them. She says the number one thing we can do is spend less than we make.

Unruh points out having an emergency fund while you work your way out of debt is the other important principle. She explains having an emergency fund is necessary for those unforeseen expenses.

Unruh mentioned spending money is a somewhat emotional practice and is often a form of self-medication. She believes people are often buying things they don't need or think they are getting a deal when they, in fact, are not.

If spending on things you cannot afford is an issue for you or someone you know, Unruh encourages putting all the things you want into the "cart" of the website you're shopping at and then waiting 24 hours before you click the "checkout" tab. She indicates you might find the desire to purchase that item or items will likely go away.