Have you noticed that many people consider the act of shopping is a therapy? Spending often serves as an attempt to escape from problems or as a door to a new world of achievement and self-esteem - a world that almost always does not fit within our budget.
In fact, shopping is good for the ego. We feel good, our self-esteem scale. Of course, there is no sin you want to spend a few hours strolling in stores and consuming goods and products. It turns out that we rarely bother to respect the limits imposed by family and financial planning goals. We let the euphoria and excitement take account of everyday life and spend attitude becomes an automatic junk.
Cash on hand flies (not back)
The behavior is currently being studied by an interesting area of personal finance: The Economic Psychology. Topics such as behavioral finance come permanently on the staff of specialists and consultants, which gives excellent precedent to relate the financial decisions and feelings. After all, we are rational only when we want and we love to justify bad choices. Let's change this?
There are several ways to not buy on impulse.
One is told to carry money to purchase desired. Credit cards and debit cards can also be used, after sending a note to the conference that serves as a warning to all project expenditures. But we must use them as tools to buy, facilitators and not as easy credit. Another problem is that the cards do not give us a precise idea of what we spend, whereas if we choose to pay with notes, feel the "weight of responsibility" and more easily visualize how much we spend.
Likewise, having a defined objective causes, while spending more than its capacity allows, the yellow light turns on. With the days and budget planning and control, his own conscience be your financial inquisitive and show that consumption per pulse can not be more important than achieving a desired objective and planned. Never.!
So also learn to use their conscience as a cop in purchases, and not embark on situations which then repents and which is associated with a feeling of frustration.
Moments of great emotional appeal, such as marriage, birth of first child, unique occasions (graduations, reunions of old friends etc..) Tend to be the worst of times for the pocket and conscious consumption. The desire to offer the best surpasses the standard of living of many people, putting them in a delicate situation. The solution is simplicity and control the momentum, giving heed to purchases that fit in your planning. Take advantage of promotions and knows how to handle the demands of society, few of them need to be adhered to.
The importance of consumption
I must emphasize that good financial practices do not condemn the consumption. After all, from him to a country's economy turns, grows and creates jobs. However, we can not agree with the uncritical consumption, indiscriminate. The world goes through a transformation where old practices undergo financial questions, including aspects of sustainability.
Realize the fine line between consume responsibly and pass the limits is a big challenge. But you will agree, it must be faced with attitude, energy and desire for change. Now, who combines wellness, financial planning goals plausible and certainly has a full and happy life.
Only thus can avoid situations of financial ruin, and indebtedness that are in no way benfécias to health, either for physical or for mental health and for the positive aitutde dev note that all tempoos, or else run the risk of coming under stress for everything and anything.
So the next time you go shopping, think through what and how we spend spend!
By the way, is a shopaholic? Know someone who is?
Share your opinion and leave a comment! This article will get rich with your participation!
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comments… read them below or add one } (2 comments ... read Them below or add one )
this issue is also very important to be disseminated among my readers.
I see too many to risk their money upgrading in certain sites (for example) almost on impulse (I already admitted it).
We must always think before bringing forward purchases or investments!
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Peter's a very interesting theme in a world where one gets easily overwhelmed.
Products and more products of all grades and sizes.
The appeal of advertising does not stop.
He is indeed the engine of life of such products.
The problem is not in this abundance of modern times.
Is the ability to not confuse things.
Because there does not mean all that you can have it all.
Make important choices.
Where I spend my money? what really makes me miss? I have enough for me embarking on this or that adventure?
For friends, it's easy and obvious awe before the wonders of technology in this dawn of the XXI century, but ...
we must make choices, choices. Do not be a / a "MARIA VAI COM AS OTHER."
Persists in a robust and sustained way before any more daring adventure.
Hugs
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