Fond of shopping without the ability to control the finances can get you wound a lot of debt. Bills are piling up debt while income barely able to make your prolonged stress. The effect would be to make your physical and mental health impaired. Yet when stressed, you will not be able to think clearly how to tackle the debt. Then how can I make this debt pile does not make you stressed?
1. Give proper assessment on the money
David Krueger, a finance expert at the Houston, Texas, revealed that the majority of people use money to show their social status. “Many people who use the money to provide meaning in life, use it every day to demonstrate freedom, realizing the power. This could be evidence of value for money or that money provides an opportunity,” he said.
Begin to ask yourself why you like wasting money to buy branded items that are not necessarily useful. Think back, what is the value and benefits for your real money. Krueger said, this is the first step to control the use of your money. “If you think it right, then you can think of a strategy to overcome your debts,” he explained.
2. Be aware of credit card trap
For the shopaholic, credit cards can make them feel free shopping without having to pay in cash. However, the credit card will only make you feel the freedom and the thrill of the moment.
For example, the shopping enthusiast will feel satisfied and proud when they can use their credit cards to the max, or when they have an additional credit card. “One recent study revealed that people like this are likely to feel stress, but on the other hand they also feel stronger because they have many resources available to you through a new credit card or a high card limit,” says psychologist Kelly McGonigal.
It helps you realize that this is a short-term illusion. Consider to think about your future which is also costly. Think back to your long-term life goals, for example, want to build their own business, or go to college.
3. Establish control body
Advice to control excessive spending passion from friends or family usually will not work. The counsel of the most potent is the encouragement of self. Roy Baumeister, a social psychologist d Florida State University, reveals that you have the ability to control the urge for instant gratification (one of which is shopping) within you.
“There are many ways to show restraint when shopping. Example, keep track of all the activities of your day-to-day expenses, including expenses rah-rah you. Calculate with numbers up as much detail-detail. This is part of the ‘sport’ which is effective to strengthen self-control when shopping, “he explained.
4. Do not shop when grieving
According to a study published in the Journal of Experimental Social Psychology, you tend to be a lot of shopping when you are feeling sad or threatened. “When sad, people often buy more stuff that strikingly to increase positive things about themselves to others,” said Niro Sivanathan, author of the study (see also: Do not Make Financial Decisions When Sad).
According to this study, the tendency of people to shop this sad time will give the sensation of comfort in yourself. If you feel sad, one cure is to know first what makes you grieve and cope. Or, find solace and support from keluarga.Hal This will help you to reduce the tendency of excessive spending.
5. Reduce road-trip to the mall
The goods are displayed in a shop window would normally make you chuckle in awe. First sight and this admiration will make you tempted to buy it. In some people, this admiration then continued with indifference to what happens later when they bought it and then owed more. “It is important to observe your response when you do something that is not consistent with your financial goals,” said McGonigal. “If you pay attention to your emotional triggers, you will be less likely to spend money that you do not actually have.”