Do you feel remorse about a spending decision? Did you learn and grow from the experience? How much pain did you feel?

YES we do! It's totally an embarrassing story too. My husband got a job as an advertising consultant for a new local newspaper.

The owner told us that we'd be making about $50,000 a year. So we made the mistake of spending like we were making $50,000 a year. We were used to making about $20,000- so we went all out.

We bought new furniture for our apartment, we ate out almost every night (sometimes for lunch and dinner), we charged up the credit cards because sooner or later we were going to make $50,000 a year. The owner of the newspaper would give us just enough money to pay all our bills, and pretty soon even groceries and gas were being charged on the credit card. But we had high hopes of getting paid $50,000 a year so my husband stuck with the job for the whole summer!

By the time we came to our senses we were $8,000 in debt and sinking fast. Needless to say we cut off the CC and in January of this year we paid them all off. We also promised each other that we would never use a credit card again.

Later we got into debt for school. We fell for the myth of "good debt vs. bad debt. " We soon found ourselves drowning in $16,000 of student loans and we were hardly done with our Freshmen year.

I guess trial and error- we finally realized that debt was not a good option for our family. We've been working on getting out of our student loan debt since March 4th of this year. So far we've paid off $3000.

We are angry about our student loan debt even if it is "low interest. " We have a goal to finish paying off our student loan debt by the end of this year- though we've had several set backs. It will take a lot of sacrifice for our family, but I guess that's what anger does.

I'm sick of seeing interest compound on our student loans and the anger has given us the motivation to get rid of them.

I very rarely have buyer's remorse, especially after large purchases, because I don't have very much money to spend on anything but necessities. So, before I buy anything that isn't necessary - whether it's a five-dollar item or a bigger investment - I think about whether or not I really want that item. If the item is five dollars, I wait five days before I buy it.At the end of five days, more often than not, I've forgotten all about that thing.

If it's not still on my mind, then I obviously didn't want it that badly. For my MP3 player, I was doing research for weeks before I bought it. Technically, mine was an impulse purchase anyway, because it was on sale when I happened to be in the store.

However, because I'd been researching the pros and cons of several players for a few weeks beforehand, I had a good idea of what I was getting, and I was happy that I went ahead and bought it when it was on sale. That was a couple of years ago and I'm still using the player.(It's a first-gen Zune, incidentally. Love it!

) So...I rarely regret buying something, because I think before I make the purchase. If you do the same thing, you won't have buyer's remorse as often - shouldn't, anyway.

I get buyers regret after most major purchases. Saving takes so much time and patience, and there's something nice about having the potential to buy many things that is gone once you've settled on one specific purchase. Generally, this feeling fades in a matter of time (sometimes hours, sometimes days).

One major example of this could be student loans. It's taking me years to pay them back, even though I don't regret the education I received. The longer term impact seems to be that I am very wary about taking out any kind of debt (in fact, I don't really plan to if I can at all avoid it).

I used to get remorseful about spending. When I was younger and had my first credit card, I blew money left and right on frivolous purchases. I spent too much and owed too much, and when I finally realized what I had done, I felt sick about it, because I knew I would be paying it off for a long time.

But I learned a lot from that experience. I learned the value of tracking my purchases, budgeting, and saving. Now, it has become second nature.

I have an automatic withdrawal taken out of my checking account the very day my paycheck comes in every month. That way, even if I spend all the money I have, I still have saved 15% of my take home. So there's a limit to the amount I can blow on a purchase.

I still do use credit cards, but I use them in the right way. I pay off the full balance every month, and I get rewards for using it (2% cash back on my card). And for any major purchase, I consult my significant other to get another opinion.

This really limits my ability to make reckless purchases. Do I still get buyers' remorse? Sure.

I probably didn't need to spend $10 lunch yesterday, for example. But I also know that I've worked for the money and I have a good savings plan, so I can afford to have a frivolous purchase now and then, especially if it doesn't hurt my goals.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.