塀 ï¬ÑĿỵ°
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First off, record every single expense you have or purchase that you make. This will be instrumental in giving you an idea of how you spend your money. It's not necessary to do without everything, but pick out an area that provides you a lot of pleasure and see how you can cut back in other areas. Next you want to write out a realistic budget so you have an idea of how much can be spent in various areas. Think about why you spend. Are you bored? Are you looking for comfort, security? If you can identify what triggers your impulsivity, you have the opportunity to head it off at the pass or indulge yourself with a low-cost or even free reward (for doing such a good job of not spending in other areas!). You may also want to consider getting involved in more activities or interests and expanding upon either your social life (if you are reclusive) or your 'me' time (if you've got a crazy social calendar). When you enjoy what you are doing or who you spend your time with (this includes yourself too), you may feel less inclined to shop as shopping is often just a short term fix. Saving is very important. Set aside a set amount to go into savings on a regular basis, e.g., $25 a month, $5 a week or whatever. Even better, see if your bank can automatically deduct your predetermined amount and put it directly into savings (you're less likely to miss what you don't see). Personally for me, I am well aware of the lure of shopping. For many women, shopping can be a therapeutic activity, particularly browsing. It is common for me to spend an hour or more in a store just looking (there might be something really interesting I didn't know about). If I think I want something, I put it in my cart. When I'm finished looking around, I mentally calculate how much I would be spending if I brought this cartload of items to the register. It's at this point I realize that I don't really need that fancy robotic silicone spatula in matte stainless steel or a third pair of cute fluffy slippers that lets you record a personalized message that plays back when you push a button. Good luck to you. |
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AB
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Why don't you set aside a certain amount of money to be withdrawn from your checking account into an online savings account as soon as you get paid? You can earn 5.05% at Emigrant Direct or HSBC Direct. This way the money isn't in your regular checking account, but it will be available if you run into an emergency? |
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Mohamed
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Sorry.. I am sure about the fact that you don't earn this money by yourself, because if you do, you will respect them, won't you? |
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Jo
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Stop going shopping when you don't need anything.
Make a list and don't go home with anything more than what is on the list. |
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CoronaGirl
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See a counselor. Both a financial one & a psych one. I have similar responses. Every time you leave the house it costs money.
Go through your stuff & get rid of everything you don't want or need anymore. It will help.
Set goals. What big purchase will you buy next? Car? House? School? Wedding? Vacation? You need mega money to do any of these things. Keep a picture up to remind you of why you are saving. |
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cindy
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i know the cure been there done that keep spending until you are broke and when you dont have enough money to buy toilet paper this habit of wild spending will come to a crashing halt |
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Nancy O
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You will stop spending when you want to. You are big enough to know how to say no to then next purchase. |
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Ms. Mia
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Its called will power, if you really didnt want to do it you wouldnt do it |
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Kyler T
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put it in a bank and pretend it is not there |
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I Hate Players
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when u go out dont take too much money with u! |
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leslie c
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give it to me |
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chris p
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cut up your card. if you have cash instead of a card you are less likely to part with it, think about it. if you have £100 cash you would think twice about buying something with cash, whereas when you pay by card, your not seeing the money so it's easier to just tap in a pin number because psycologically, you think your not parting with money. |
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mam
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I feel 4 u this is easy to do....look 4 other ways 2 make u happy...join a gym ...or club ...so u have less time 2 shop |
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Big H
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I had to get rid of CC, and debit cards. I only use cash. It seems more real and keeps me from spending everything I actually see in my wallett |
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Miss RoZy
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We all love spending money on little luxuries. I think sometimes its cause we feel down and spending gives us a quick fix. Trouble is it doesnt last long and we find ourselves buying more to get that fix. Cut up cards and only pay by cash. Its a whole different feeling when you hand over real money. Write a shopping list of what you need and stick to it and take only enough cash to cover what you need. |
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MASON
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When you find out, would you do me a favour and have a chat with my better half?
Cheers |
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Shayna
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Cut the cards. Direct deposit pay checks. Allow a specified amount of cash in pocket, when it is gone..your done. |
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Kayleigh
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Cut up all credit cards but one and keep that one only for emergencies, or see if you can get a credit card that deposits the change to a savings account. Whenever you go shopping make a list and only buy what's on the list. Do not go shopping with girlfriends and if you have to get something like makeup or clothing see if you can get a better deal on ebay first. If you have the urge to buy something ask yourself, do I really need it? Do I really love it? |
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i,m here if you need to talk.
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divide your money in how many, weeks is in a month and only spend how much you have for a week.i do that way my self. |
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Nell
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Ask yourself do you really NEED this stuff or could you do without it? Then open up a savings account that you can't have access to for a year. |
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CoffeeLover
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It takes about 30 days to change any bad habit. So give yourself 30 days.
This took time for me (more than 30 days) but a few things that worked for me :My husband either goes or goes with me grocery shopping. I get cash for walmart etc.. and only cash .I leave my emergency cc my debit card my checkbook all at home. You might say I can not carry all that cash around. Ok then just throw it away.(Overspend).. Make a budget and stick to it. Let someone else Spouse or Best friend see your progress. There is nothing worse than spending all this time and energy getting finically fit and noone notices. Also praise yourself. And save for something. We have two savings account. I know this may seem weird but we have a family vacation savings and a housing savings.
May your true riches come from within. |
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artleyb
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You've pretty well answered the question yourself - ie you know you are a victim of "consumerism" and you must also know that if you go on like this you very soon will be in debt, probably up to the neck. You are all grown up and everything and should be able to stop being so foolish. |
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Jo.
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first off get rid of your crdit and debit cards, I know you need a bank account but get one with nationwide they give you a card that you can only use in an atm machine so this will stop you from using it in shops coz u cant, second thing to do with them would be to open an e savings account and transfer all your money into it, this is done online, you can then transfer money to your card account (flexaccount) as you need it, that way you wont overspend coz it means that you will have o log on and transfer money all the time. |
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christonka
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Give your card or some of your money to your gf/bf. I give around 70% of what I make to mine, and she's like my own little bank where I can't get money. It kinda sucks, but works out in the long run.
Calculate how much you'll need for ABSOLUTE NECESSITIES. put the rest away. You've gone without the materialistic things before, so why can't you do it now? |
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QUEEN VANETTE
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Just stop. It's as simple as that.... unless it's an addiction, which sounds like the case in your situation. I think there are programs for people with such problems (similar to AA for alcoholics).... Try to find out and get into one. |
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El Viejo Pantera
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running out of money. |
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winterwinds
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give it to me i,l spend it for you ha ha |
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Gordon c
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if you stop and ask your self do i really need this and the answer is no don't buy it. most descions are made in that i gotta have it moment just stop and think. go to a strictly cash budget will limit your spending |
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just me
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stay in the house and get a life |
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Joey K
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What I do is go out with just enough money for the necessities of the day. Even when I shop, that requires at least two trips- one without enough money to buy. |
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Together
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Put your cards on ice. Seriously. Pour some water into a ziploc bag, put in a card, and stick it in the freezer. Make an ice bag for each card you have. Take them out to thaw when you NEED to buy something. If there is something you WANT, you have the whole time while it thaws to think about whether you REALLY want it.
There is no surefire way to stop spending other than to just STOP! Dont make excuses that you just take it out of the bank, and you cant stay home because you have to take your baby places. Do you take your baby to a play group at a store? No. So, go to the play group and go home. Dont go browse at the mall. Save the money. Thats it |
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