Buying on impulse
Stop Buying on Impulse
Have you noticed that many people consider the act of shopping as a therapy? Spending often works as an attempt to escape from problems or as a door to a new world of achievement and personal development - a world that often does not fit within our budget.
In fact, shopping is good for the ego. We feel good, our self-esteem scale. Of course, there is no sin you want to spend a few hours strolling in stores and consuming goods and products. It turns out that rarely bothered to respect family boundaries and objectives set by financial planning. We let the euphoria and excitement take over the daily and spend attitude becomes an automatic, everyday.
Cash on hand flies
The behavior is currently being studded for an interesting area of personal finance: the Economic Psychology. Topics such as behavioral finance come permanently on the staff of specialists and consultants, which opens up good precedent relate to financial decisions and feelings. After all, we are rational only when we love and justify bad choices. Let's change that?
There are several ways to not buy on impulse.
One is to carry money counted for the desired purchase. Credit cards and debit cards can also be used, after sending a note to the conference that serves as a warning to the expenses incurred. But you have to use them as tools to buy, facilitators and not as easy credit. Another problem is that the cards do not give us a precise idea of what we spend, while if we choose to pay with cash, feel the "weight of responsibility" and more easily visualize how much we are spending.
Likewise, having a defined objective causes, while spending more than its capacity allows, the yellow light comes on. With the days planning and budgets controlled, your own financial awareness will be inquisitive and show that the impulse consumer can not be more important than achieving a desired goal and plan. Never.!
Thus, also learn to use your conscience as a cop on purchases, and not embark on situations which then repents and which is associated with a feeling of frustration.
Moments of great emotional appeal, such as marriage, birth of first child, unique occasions (graduations, reunions of old friends etc..) Tend to be the worst of times for the pocket and conscious consumption. The desire to offer the best goes beyond the standard of living of many people, putting them in a delicate situation. The solution is simplicity and control the momentum, giving heed to purchases that fit in your planning. Take advantage of promotions and can handle the demands of society, few of them must be strictly adhered to.
The importance of consumption
I would like to stress that good financial practices do not condemn the consumption. After all, from that a country's economy turns, grows and creates jobs. However, we can not agree with the consumption uncritical, indiscriminate. The world is going through a transformation where old financial practices are put in question, including aspects of sustainability.
Understanding the fine line between consume responsibly and pass the limits is a big challenge. But you will agree, it needs to be viewed with attitude, energy and desire for change. Now, who reconciles well-being, plausible goals and financial planning certainly has a life full and happy.
Only thus can avoid the financial ruin, and in any indebtedness that are beneficial to health, either for physical or for mental health and positive attitude that should be observed at all times, or run risk into stress for everything and anything.
So the next time you go shopping, take a look at the spending and how it spends!
By the way, are you a shopaholic? Know someone who is?
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