One of the questions are also quite often get to us is about the excessive spending habits. To the extent that spending is called as a hobby, because so happy shopping. Typically, this is done on impulse or without planning, a desire to buy arises only because he saw the price was discounted, or because the packaging attractive.
Do not regret any infrequently arise later when it was able to think rationally again. Why spend the money to buy this or that that was not too much is also useful at home? Or there is also just realized after seeing a row of clothes that have not been used in the closet, books are still wrapped in plastic on a bookshelf or kitchen equipment that is still wrapped in cardboard and used only once.
1. Distinguish between needs and wants
To distinguish between objects which are the needs and desires which ones are not difficult. But, the more common is the desire to stick to the needs, so we consider it as a necessity. Buying new shoes may be needed when we already obsolete old shoe. However, certain branded buy shoes no longer need but has become a desire.
2. Cash is the limit
Why we can have excessive spending habits? There are two causes. First, because we have a desire that is difficult to control when looking at certain items. And second, because we had a chance to fulfill that desire. That we owe no money or means to buy it.
So, if we still difficult to limit desire, try to limit his chances. Limit the cash is taken, get used to only carry debit card when shopping alone, and use credit cards only for emergencies only.
3. Divert into productive spending
At some level, satisfaction is not obtained when the excessive spending of satisfaction to have something, but the satisfaction of being able to buy something. Satisfaction occurs not when using the goods, but when buying it. To be able to still meet the desire to purchase but do not be extravagant, try to switch their purchases into something more productive or durable.
Instead of buying clothes that cost clearly falls, better shopping gold jewelry that costs could rise even stable. Instead of buying a house that turned out equipment is also very rarely used, better to buy mutual funds, purchase deposit, or shares a clear benefit for the investment.
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