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 feel not spend anything important. You are not just paying insurance premiums, pay the money to school children, or pay the cost of servicing the car. You just window shopping or flipping through online shopping sites. Wow ... it turns out this is the source of the problem.
Since it is an everyday activity, window shopping is no longer considered as a source of expenditure. There are still some other things that you often do, and turned out to make a quick paycheck shrink.
1. "Window shopping"
Often we are window shopping with fraudulent excuse because they have no activity. It is nice to still see good things around us. However, from just a fad, 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, Internet browsing, reading magazines, or watch any adverts on television, you may be tempted to buy.
Actually you must already know that window shopping is a bad habit that needs discipline to stop high. The most secure is to not visit the mall if you do not need something to be bought or found. In addition, no longer need to request a catalog or accept e-mail 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 to shop is not good, but 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 just enough cash, and leave the rest at home. Avoiding credit card should still be performed, but the important thing is to make the budget about 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 will certainly 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. Shopping serbamudah trick is not just make you run out of money if you are classified as impulsive shoppers, but also relieve have used the money. Because you are not using cash or credit card struuk sign here. All just click.
Do not let the vendors store your credit card information. Avoid signing up for e-mail or catalog if it only encourages you to shop.
4. Collecting 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 should spend it right? After all, most value is also not so pronounced. No need to feel pity when vouchers ultimately redundant because it is not used. You better make a list of items needed, only then see if there are vouchers that can be utilized.
5. "Shopping" with emotion
You may want refreshing feeling stress 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, again sale 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 any money, for example in the bath, or massaging each other with their husbands.
6. Not planning
You are tired after coming home from the office, at home and no food. The most practical is to buy food. Based on data from the Bureau of Labor Statistics, the estimated average American 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 solid, try to cook on Sunday, and 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, need high self-discipline to change habits of this kind. With planning, discipline, and avoid situations that tempt you to shop, this bad habit would be resolved
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