New on the 12th of this month, but your account balance is approaching zero. Where your money gone? You probably already spend so much money, but you are not aware of.Because, you’re not spending anything important. You are not just paying insurance premiums, pay the money to school children, or pay for car service. You just window shopping or flipping through the online shopping site. Wow … turns out this is the source of the problem.
Since it is an everyday activity, window shopping is no longer regarded as a source of expenditure. There are still some other things that you often do, and it makes a quick paycheck shrink.1. “Window shopping”
Often times we are window shopping on the grounds because they do not have any fun activities. It is nice to still see good things around us. However, than just for fun, so you end up buying something you do not plan. You do not even need to leave home for window shopping. Just by looking at catalogs, browsing the Internet, reading magazines, or watch any adverts on television, you may be tempted to buy.
Actually you must have known that window shopping is a bad habit to stop high-need discipline. The most secure is to not visit the mall if you do not need something to be bought or found. Additionally, no need to request a catalog or receive e-mail offers updates on your favorite items. Ask yourself: do I need one and can I buy it in cash? If not, get passed.
2. Takes a lot of cash
Relying on credit cards for shopping is not good, but it always brings a lot of cash as well as bad. Cash gives you the feeling of having money to spare, and therefore need to be spent. Bring cash just enough, and leave the rest at home. Avoiding credit card should still be performed, but the important thing is to make the budget on when to pay something in cash. Management of the envelope is also quite effective for managing cash.
3. Share your personal data in a vendor
When you do online shopping, you certainly will be asked to provide your home address and credit card information. These sites also provide one-click buttons to order something so you can buy in a heartbeat. It’s easy, but also very dangerous. Serbamudah shopping tricks that will not only make you run out of money if you are classified as impulsive shopper, but also eliminates a sense have been using the money. Because you are not using cash or credit card struuk sign here. All just click.
Do not let the vendor keep your credit card information. Avoid signing up for e-mail or catalog if it just encourages you to shop.
4. Collect shopping vouchers
Get a discount of Rp 100,000 for body care products or sportsgear indeed pretty, but make sure first that you really need these items. Just because receiving shopping vouchers, does not mean you have to spend it right? After all, most value is also not so pronounced. No need to feel pity if vouchers ultimately redundant because it is not used.You better make a list of items needed, then just see if there are vouchers that can be utilized.
5. “Shopping” with emotion
You might want refreshing feeling stressed at work or bored at home. Or, you want to pamper yourself for successfully losing weight. Then, you were shopping. You managed to get new clothes, new gadgets, latest novels, sale again anyway.
However, let your mood dictate spending decisions is the fastest way to become bankrupt. Calm yourself before shopping. Back to the basic question: do you need and whether you can afford it? You can really reward yourself without spending money, such as soaking in the tub, or massaging each other with their husbands.
6. Not planning
You exhausted after coming home from work, and no food at home. The most practical is to buy food. Based on data from the Bureau of Labor Statistics, in the United States estimated the average family of four spends more than 4,000 dollars on eating out. Is not this a very expensive habit?
If you shop weekly, make a list of menus for a week so you always have the ingredients for processed foods. If your activities are so dense, try to cook on Sunday, then store it in the fridge to eat the next day. However, the cooking itself is far more efficient and healthier than buying food outside.
And, of high discipline needed to change the habits of this kind. With planning, discipline, and avoid situations that tempt you to shop, this bad habit will surely overcome.