We have seen the person who spends for prestige and someone who spends to spend, but what about the person that is able to save for awhile and then out of the blue seems to go on a spending spree. This 
personality type I call the “Virgin” because their intentions are pure but as soon as someone says the group is doing it, they cannot resist and begin to spend.
Virgins can take a variety of forms. There is the person follows the latest money magazine to help them get their finances in order but never seems to follow through with the concepts required. And, on the other extreme the person whose constant refrain is “I let my spouse handle all the financial decisions.” even when it is apparent that approach is not working.
The common thread for all variations is that the opinion of others is the deciding factor for them, and they run from opinion to opinion. The Virgin simply does not trust her own instincts and is easily swayed to follow anyone who displays more conviction. You probably know someone who has set up a saving program and then if a friend says “We’re all going on a cruise” and the next thing you know she is on the high seas wondering why she can’t seem to save any money. This is classic Virgin behavior, the frustration of the constant back and forth because they are unable to say “No”.
The strength of Role Playing
The Virgin remains a virgin because they don’t possess the mental muscle to let others know what they 
want. But this is where mental role playing becomes the weight lifting program they so desperately need.
• Make a list of all the ways you have felt frustrated from not following your saving goals.
• Devise a plan based on where you want to be with your finances.
• possible, set up an automatic deduction from your checking account into your savings or just before paying bills transfer a specific amount into savings.
• Start with small amounts to develop the habit rather than large amounts which prohibit you being able to do anything.
• Write a list of situations that have difficult in the past and devise an alternate response to the one you gave when someone pressed you to join them.
• Role play giving those responses over and over for each situations (this way it is a memorized response rather than being left to come up with an answer you feel uncomfortable devising).
• As often as possible imagine how good it will feel to see your savings grow and the power that provides (literally see yourself viewing information on your account and the large amount that is there). Imagine as well the freedom you now possess as frustrations money become smaller and small as your account gets bigger and bigger.
The purpose of the exercise is to use what’s called creative visualization to influence the unconscious to establish new associations in your mind. Once these new associations have been established one should gradually feel less anxious as a new script for indecision will have been written.