| |
| |
|
|
Personal Finance |
|
How You Feel Affects How You Shop & How Much You Spend
Have you ever stopped to think about how your "mood" affects the way you shop, not to mention the amount you spend? Think about it. If you want to save a lot of money, avoid shopping whenever you are in one of these moods: DEPRESSED, UPSET, or ANGRY It's very dangerous for your pocketbook to shop when you're either depressed, upset or angry. Why? Many people find that shopping takes their mind away from their problems. In fact, it probably does. But how much does it cost you? Not only does shopping not solve your problems, but you will also spend money that you did not originally intend to spend. When you're not feeling "well", instead of shopping, do something where you do not have to spend money. Go to a park. Check out the local library. Go on a nice jog or bike ride. Remember that if you HAVE to get out of the house, plan an activity where you do not have to spend money. You'll feel much better about this decision after you have cooled down (or cheered up). :-) Envy Shopping Sounds terrible doesn't it, but you'd be surprised to learn how many of us purchase quite a number of items out of envy. Does a friend have a "cool" $600 leather jacket that you want? Have a cousin who drives a flashy sports car? Who cares!! That doesn't mean you have to spend all your hard earned money to compete with them. Buy what you want, when you want, and not because someone else has it. Sale Shopper Unless you actually need or want to shop for certain products, don't go to store "sales". Even though sales provide you with some lower prices, most of the time, shoppers end up spending more money than they intended to. This is the purpose of sales. A store lowers their prices, announces and advertises a big sale, then hoards of people arrive. People come to the sale, and generally spend much more money on merchandise they really don't need. Be a smart shopper. If you find something at a sale that you really need, go ahead and buy it. When you start piling your cart full of stuff you really don't need, remember this article! Plan a Shopping Budget If you plan a monthly shopping budget, you'll find that you will become more "picky" about what you buy. Why you ask? You don't want to spend your budget on useless items, right? Having a shopping budget will force yourself to answer the most important question: Do I really need this? If you know the answer to this question, then you will know whether to buy or not. Moral of the story: Plan yourself a shopping budget, don't spend it when you're upset, and ask yourself the question: Do I really need this? This will help minimize the unnecessary purchase that we all make from time to time. Gregory Thomas has been writing effective money-saving tips for SavingSecrets.com for over six years. Hop on over and you'll find FREE money-saving articles, a monthly newsletter, and even a FREE Ebook download just for stopping by! http://www.SavingSecrets.com
MORE RESOURCES:
Google News |
|
|
|
RELATED ARTICLES
How Electronic Checks Work - Will Paper Checks Eventually Go Away? Traditional checks probably won't disappear anytime soon, but processing checks electronically is sure to continue! Have you ever been asked to fill out your account and routing number when paying for something online or over the phone - or have you provided a paper check to pay for something and it is given back to you after it is run through a machine? Did you scratch your head like I did the first time that happened?Here is how electronic check conversion works. Instead of writing out a check the old-fashioned way, the new way of using checks use digital signatures for signing and endorsing and have digital certificates to authenticate the bank account. Creating A Household Budget Creating a budget can be a very difficult task. Although we as consumers know that we need to pay our bills, buy our necessities, and put money away for savings, we don't really know how to start. Healthy Eating On A Budget It is possible to eat a healthy, balanced diet without breaking the bank! Here are some suggestions:-Eliminate junk food. You may have to do your grocery shopping alone, since children (and sometimes spouses!) are often the ones who request the junk foods. Government Grants - Beware of Scams As the saying goes: "Buyer Beware". If you see ads claiming you qualify to receive a "free grant" for education, to start a home business or to payoff unpaid bills, be wary. Financing Collectibles for Fun and Profit With the advent of the internet and especially auction services like those provided by Yahoo and E-bay, serious collectors have much larger arenas in which to buy and sell their wares. This provides the opportunity for quick discovery of hard-to-find items that previously might have taken years to find. Want Your Savings to Earn a Higher Rate of Return? Try Internet Banking Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past few years, but getting in the market now puts you in the high-risk category for a heat stroke if the market decides to cool off this year.So if a real estate induced stroke doesn't appeal to you and the stock market's roller coaster ride gives you motion sickness, it's very likely that you as a health-conscious investor are sitting on a stash of cash collecting an anemic rate of interest. How to Attain Your Dreams on a Single Income If you recently became a single parent and see your dreams being washed away because you feel all alone, you aren't alone. There are single parents that face future endeavors alone like dating again, living on one income, and buying the home they've always imagined. Budgeting -- The Critical Flaw That Causes Most Budgets to Fail Budgeting. It's a word we're all familiar with. How To Survive The Grocery Shopping Blues If you are the normal consumer, then you've probably experienced the Grocery Shopping Blues. Most supermarkets use this trick to their advantage to squeeze more money out of their customers and turn a tidy little profit for themselves. Can You Afford Not To Look After Your Personal Finances? Investing is a subject a lot of people don't want to think about. And there is good reason for that. Credit Card Debt - Watch Your Credit Report and Your Bill Most consumers are aware of the importance of their credit report. This document, offered to consumers and lenders by the three major credit bureaus, offers a fairly complete list of financial transactions and debts incurred by a consumer. Budgeting your Savings - Did You Let Your Piggy Bank Get Away? I think most of us have at some point in our lives. Some how we forget to feed the little piggy. Save Money on Gas Gas prices have soared to unimaginable heights of late. Since most of us are not likely to turn to bikes or horse-drawn buggies we will have to learn to get the most from our gas dollars. Financial Security 1) HOW TO LOOK FOR A JOBA) The Chronological Curriculum:1. First and foremost you have to be able to write an effective resume or curriculum. Budget Planning - Its Elementary My Dear Watson Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?.. The Benefits of Banking Online How many drawers did you have to look through to find a bank statement the last time you needed one? Chances are you did not lay your hands on it as readily as you would have liked. If that is a familiar scenario in your home, help has arrived in the form of online banking. Basic Bank Accounts Failing the Basic Needs of Consumers The lists of bank and savings accounts that are available to most people are bewildering. A quick look at a comparison site like Moneynet or Moneyfacts will reveal thousands of different products. First Checking Account - When is it Time? We all know that money doesn't grow on trees, but we all need it to survive. The use of cash will only go so far in life, as you can't send it through the mail. Expenses A - What Are They And What Can We Do About Them It is crucial as an individual who is striving for financial freedom to be able to recognize the different type of expenses in our lives. It is a proven theory that it is easier to cut your expense than trying to earn more income. Budgeting: A Tough Love Way to Handle Your Household Budget Developing and living by a household budget is by far the best way to get your expenses under control which, in turn, can mean a much less stressful life.However, many families find it very difficult to stick to a budget.
|
||||||||||||||||||||||||
