Ah, impulsive shopping! Source of instant satisfaction and cause of thousands of discussions at home.
No matter how careful you are with your money, it is often impossible to resist an impulse purchase. However, the vast majority of times we fall into temptation is not about the super-bargains-incredible or products-indispensable-that-I need-to-self that we believe they are. We offer you the best loan- get it today.
1. Ignore the label discount. Think of the real price.
Do not let discounts and discounts cloud your eyesight. Remember, a bargain is only a bargain if you need it. Try to think in practical terms about the real price of things before buying them. How much would you have to work to pay what that new TV costs? Could I spend that money on something more important?
If we talk about clothes, shoes or accessories, another way of looking at the situation is to try to think in advance how many times you think you will use the garment and how much that time would cost you. Of course, those € 250 designer sunglasses are going to make you the coolest in the neighborhood. But take a guess, how long is summer and how much would you get each time you use them?
2. Check it with the pillow. And then check it with the pillow again.
When you see something you need, give yourself some time to think about it. Allow a week (or even more) to pass before making a decision. If after a month you still want it madly, then the purchase makes sense. But many times it will happen that if you let a time pass, maybe the offer does not seem so good and you end up discarding the idea.
3. Do not go shopping when you’re sad.
A classic: it is easy to treat yourself to improve your mood. But pay attention to us, you will not feel better and many times it is the beginning of a downward spiral. When you spend money to combat stress, what you are really doing is adding more stress when you are aware of the extra expense you have had.
You can not attack negative feelings with negative actions. Instead, try to do some positive and constructive activity. Go for a walk, play sports or stay with your friends. Or at least give yourself a cheaper whim!
4. Buy online. Yes, really.
It’s true, it sounds unintuitive to avoid impulse purchases, but buying online can help you spend less. As you take advantage of the fact that you are already connected (today who is not ALWAYS connected?), You can investigate and document the object in question more thoroughly. How many times have Amazon’s opinions changed your mind at the last moment? In physical stores, however, there is no one to tell you in the middle of the process if what you are going to buy is worth it or not.
And there is another positive aspect of online shopping: the final amount you are going to spend is there, in your shopping cart, well in sight. That is, you will not find any surprise when going through the box.
5. Go shopping with the right company.
If your friends are your friends it is because you have many things in common. If one of those things is to buy things that none of you can afford, just do not go shopping together. Now, we know it sounds like the advice of parents worried about your bad companies, but when you are evaluating buying such expensive shoes, you need a friend who says NO, not one who is already looking for the same model in his size. Someone has to put a note of sanity.
6. Use more money in cash.
“Metal? In the middle of da igital and cashless era? Please, these people are again giving me advice from the last century. ” You may think that, but it has its reason for being. When you see that your money really disappears, it’s harder to justify buying unnecessary. Having to pay in cash can make you think twice.
7. Have a separate budget for your whims
Trying to keep your personal economy under control is not so much fun if you do not indulge yourself from time to time. Calculate how much you can spend per month on those small gifts yourself and set aside in a secondary budget.
For example, set aside some money to order food at home once a week or dinner at a good restaurant at the end of the month. You can give yourself clothes for a new look the day you pay.
8. Save all that money … to show you that you can and give yourself an example!
If it was not clear to you, it’s a good idea to keep putting aside the money you would have spent on impulse purchases and whims. Do not touch it, let it rest in a bank account. After, say, two or three months, take a look at what you have saved … and let your imagination fly!
How much would you have after one year? Would you arrive for a good vacation? Buy a new car? If you had started much earlier, could you have the entrance to a house?
Now take that money and give it a use. Spend it on something positive that improves your day today Add it to your savings and turn the page. Or devote only one part to something silly, like a last flirtation with your old irresponsible self!
If you put these tips into practice, you will be on the right track of those who use common sense with personal finances. Make the word spread, your friends may also need some help;)