“God! My credit card bills are becoming a real pain, Akriti, they just don’t seem to end…”

“Control your spending, Sneha.”

“I’ll surely do that, but what do I do about the never-ending bills? It’s too huge. Why the @#$% did I buy these Ritu Kumar clothes and these expensive…?”

“Babe, relax! Take a loan at a cheaper rate and pay it back…”

“Goddammit, I feel like destroying all the cards and running away.”

“You’ll be asking for more trouble…”

“Ya… after I pay back my outstanding, I swear I’ll never use my card again…”
These are the snippets of a conversation between two girls, which I overheard in the office elevator last week. Like many people, Sneha didn’t handle her credit responsibly and now she was writhing in financial distress.

While in debt, some default on the loan, whereas others like Sneha reluctantly decide to pay back the dues. The first type is special; we’ll talk about them later. Today, we’ll discuss people who allow their expenses to ball out of control and then face financial difficulty.

Some months ago, a Bandra businessman came to meet me to know why he always found himself in credit card debt: he spent a great deal on clothes, jewellery, perfumes and night-outs.

His handwriting showed he was undisciplined (extreme irregularity in his left margin), impulsive (right slant in pic A) and its middle zone was too emphasised (similar to that in pic B), which made him reckless in his spending on his day-to-day life.

If an undisciplined and impulsive person has an over-stressed lower zone letters (pic C), he’ll be reckless when it comes to physical pleasure and material life (sex, liquor, partying, sports etc). Similarly, if he has an over emphasised upper zone, he’ll be reckless in his mental activities. For example, when such a person starts reading a book by his favourite author Osho, he won’t stop despite knowing that if he didn’t revise his lessons on Shakespeare right away, he’ll surely flunk the test the following day.

In order to curb the spending habits of the businessman, I gave him a few handwriting exercises. Now, he says that with some efforts, he has been able to bridle his tendency to spend impulsively.

If you also lack restraint when it comes to spending, write a couple of pages every day for at least a month with a ruler-drawn margin of one inch on the left.

This week we’ve selected the handwriting sample (pic D) of a Mirror reader who wants to be called Shruti. Her handwriting shows that she is too uncomfortable in public and among strangers. She feels she is lacking in education, confidence, skills, abilities, charm or beauty. She thinks she has less of everything and always underestimates herself and plays herself down. Often she tells herself that people misunderstand her because she is too shy.
Shruti, write “I’ll get what I want”  on three ruled pages every day, keeping a margin of one inch on the left. Just keep in mind that your personal pronoun should be bigger than all other letters (compare your ‘I’ in pic D with the sample in pic E). Your signature is too small (For anonymity, I’m not showing it). Make it at least triple its current size and make the first letter big and underline it (example in pic F). All the best!



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