Why Make Spur of the Moment Purchases

Temptation to Buy

Breaking budgets can lead to personal debt and impact your financial security, and this is easily done with tempting unconscious spending. Managing a household budget is difficult without discipline. The temptation of unconscious spending is greater than you might think.

Shopping at the Grocery Store

source flickr
source flickr

Example of Unconscious Spending

You might be out with your girlfriend shopping and she buys these cute new shoes; so suddenly you have a pair of new shoes in your shopping bag also. You didn’t need any new shoes, but the display was so attractive and you found some that matched an outfit you have at home, so it is easy to justify your purchase. Then, the credit card bill will come in and have to be paid.

External and internal pressures make it tough to resist unconscious spending. What really makes sense is conscious spending if you want to stick to your budget. You have worked hard for your money and you should buy what is best for you and your household with the money you earn. Most people don’t buy this way because they are unconscious spenders.

Deciding What to Wear

source fashioncent
source fashioncent

Huge Range of Available Products

Another aspect of this topic is the incredible range of products now available for us. In most developed nations you can buy anything you want day or night. If you look at the new catalogs and think about it, they are loaded with things we lived without for years but now serve a purpose, such as, special clips to close bags of chips, a huge variety of shapes and sizes of storage containers, holders for your large number of remote controls, and so forth.

Why is this True?

Advertising itself is a big enticement. There are hundreds of highly paid psychologists, statisticians, filmmakers, marketers, copywriters, and artists hired to influence your buying decisions

We are bombarded with TV ads, sales coupons in the paper, ads in the newspapers, brochures, catalogs in the mail, magazines, and even on the radio. They have spent years learning how to influence people, and it isn’t easy to resist some of these ads.

Retail people also know how to arrange their merchandise in an attractive display that is pleasing to the eye, along with their signs, which are meant to turn your browsing into a purchase. It works quite well for the retailers. The only thing that is helpful to you is the fact that they know what type of items you like to buy.

For instance, in the grocery store if you buy the same brand of cheese, you are probably going to get a coupon printed on the back of your receipt for that cheese at some point. If we went into the grocery store and actually only bought the few things on our lists the stores would probably have to close. They count on our spur of the moment weakness to pick up several extra items which is unconscious buying, even if they are items are ones you eventually use. They may have added up enough to put you over your budgeted amount for food that month. Of course, never go grocery shopping when you are hungry,

Breaking budgets can lead to personal debt

Great New Shoes

source hhlokos
source hhlokos

Technolgy Advances

Another reason people buy things is the fast moving pace of technology. VHS tapes ( I still own several) are now DVD’s, but wait, now they have Blue-ray DVD’s. A computer that is move than 5 years old is obsolete. Another new product is the I- Phone where you can download movies, and I am still learning new things about my android phone. Also, CD’s are now becoming minidiscs, with music to download minidiscs are going to be obsolete.

In Conclusion

The problem with all this pressure is how do you pay for these things if you are over spending in your budget each month? Credit cards, home-equity loans, store cards, and even advances in paychecks are sometimes used to meet the expenses. You will never get ahead living on borrowed funds. Make sure you prepare and live within your budget to gain financial success. Decide carefully before you make a purchase if it is necessary. This is the way to stop unconscious spending.

© 2011 Pamela Oglesby

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Comments 20 comments

debbiesdailyviews profile image

debbiesdailyviews 6 years ago

This absolutly deserves a big vote up !

You are so right . We have all experienced this very cleverly srategically placed items in shops. And even though we didn't need them, it does work because we bye them.

And yes I am also guilty of keeping up with the Joanse's.

I am going to have a big talk with myself this year. Thank you for bringing this to the for-front of my mind.

Pamela99 profile image

Pamela99 6 years ago from United States Author

debbiesdailyviews, I'm glad you related to the hub and I appreciate your comments.

acaetnna profile image

acaetnna 6 years ago from Guildford

You are absolutely right, an awesome hub. I need to be on my guard!

anglnwu profile image

anglnwu 6 years ago

No wonder the dress looks good in the store until you bring it home. I agree, retailers are good at creating alluring displays. Nice work again.

Pamela99 profile image

Pamela99 6 years ago from United States Author

acetnna, I appreciate your comments.

Anginwu, I agree with you. Thanks for your comments.

Om Paramapoonya profile image

Om Paramapoonya 6 years ago

"Unconscious spending"....hmmmm that's such a polite way to call stupid spending lol Nice hub, Pamela. Rated it useful. :)

Hello, hello, profile image

Hello, hello, 6 years ago from London, UK

The supermarkets are professionals inmaking you spend more then you have to. Great hub.

GreenTea 6 years ago

Good Hub.

katiem2 profile image

katiem2 6 years ago from I'm outta here

This reminded me of why we over do anything, maybe we're trying to feel better. Well done as I think we are all pron to unconsciously spend. Thanks for the help in this area. :) Katie

Pamela99 profile image

Pamela99 6 years ago from United States Author

Om Paramapoonya, I appreciate your comments.

Hello, Supermarkets are great at this. Thanks for your comment.

Green Tea, Thank you very much.

Katiem, I think we are too. Thanks for your comments.

Hendrika profile image

Hendrika 6 years ago from Pretoria, South Africa

Sometimes I really despair of myself as far as this unconscious spending is concerned. So often I allow myself to be tempted when I can least afford it!

Pamela99 profile image

Pamela99 6 years ago from United States Author

Hendrica, I think that is the case for many people. Thank you for your comments.

rpalulis profile image

rpalulis 6 years ago from NY

Unconscious Spending Over your Budget can be so subtle, great tips Pamela, this is something we all need to be on guard with.

Pamela99 profile image

Pamela99 6 years ago from United States Author

rpaluluis, It's easy to do. Thanks for your comment.

MartieCoetser profile image

MartieCoetser 6 years ago from South Africa

Most of the time I stick to my budget, but sometimes something get hold of me and I go and buy the stuff on my wish list – plunging into my overdraft... tightening my budget for the next how-many months. Back in the green again that something get hold of me again! So Pamela, you’ve written this hub especially for me, and I’ve voted it UP and UP. Thanks!

Pamela99 profile image

Pamela99 6 years ago from United States Author

Martie, Thanks for sharing your situation and for your comments.

JY3502 profile image

JY3502 6 years ago from Florence, South Carolina

Good job on this one Pam. Definitely been there

Pamela99 profile image

Pamela99 6 years ago from United States Author

JY, Thanks so much for your comment.

akirchner profile image

akirchner 6 years ago from Central Oregon

Great points to make, Pamela and nicely presented!

And congrats on #300!

Pamela99 profile image

Pamela99 6 years ago from United States Author

Audry, Thanks for your comment. Yes, I didn't even realize it was 300 until I got an email. I am drowning in finance hubs I think.

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