There are 5 habits that influent your budget in a bad way. As soon as you get rid of them, or at least learn how to control them, your budget will get that boost it needs. Find out which these habits are, and how to kick them out of your life.
1. Catalogue Shopping
One of the worst things you could do to your budget is to engage in catalogue shopping. No matter if you buy over internet or over phone, NEVER buy out of the catalogue. In fact, forget about this type of buying completely.
We all have the little things we love – some girls are crazy for shoes, others for scarves, or even kitchen appliances. And when you look at so many catalogues with your favorite items, it is virtually impossible not to buy something.
So, how to get rid of this habit? Cancel all the catalogues, and avoid internet pages that offer online catalogues. That’s all you need to do.
2. Too Much Money
If you’ve ever watched “Two and a Half Men”, you must remember how Alan Harper always carries only $40 in his wallet. It’s a perfect amount if he gets mugged – it’s not too much but also not too little to make his attacker angry, and it gets him through the day with no problem. Embrace this logic.
If you carry all your credit cards plus cash with you, you will certainly get tempted to buy something – if not for you, then for someone else. If you don’t have the money to spend – you simply can’t spend it. So, leave all your credit cards at home (even better – cancel them) and carry only enough cash to get you through the day.
3. Shopping without a Plan
Never, and I mean NEVER go shopping without previously making a shopping list. The only thing you’ll accomplish this way is to come home with a bunch of things you don’t need, while at the same time possibly forgetting the thing you needed to buy.
No matter if you’re going shopping for food or for clothes, always carry a list with you. Put only the things that are really necessary on this list, and stick to it like your life depends on it. Promise yourself that you will not buy anything that’s not on the list.
4. Shopping while Emotional
You know how girls tend to go shopping to comfort themselves, or to get rid of negative emotions? Well, this is one habit that really is an extremely bad influence on your budget.
It’s the same like comforting yourself with food – you’ll probably eat more. If you’re comforting yourself with shopping – you’re probably going to shop more. Unfortunately, shopping can also drain your wallet, even if you’re feeling good.
If you have a practice to treat yourself with a new top every time you achieve something, you could really spend a lot. Instead, treat yourself with something free – like a hot bath or a romantic evening with your loved one.
5. Leaving Your Data on Internet
Almost every shopping site on the internet asks you to leave your personal data. That’s relatively ok, because they are protecting you as well as other shoppers. However, there is one field that you should always uncheck – receiving emails from the shopping site.
If you leave your email address and check the field for newsletter, your email will be swamped with catalogues, special offers and discounts. You’ll get hooked to buying at least one item every time you get this kind of email, and that’s how your money will slowly, but surely, run out. Try to slow down with the internet shopping, and never subscribe to newsletters.
And there you have it – these are the five habits that are bad influence on your budget. Try to get rid of them and you’ll find yourself having more money. If you think there’s something else to this subject that wasn’t mentioned, please feel free to comment.
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