|
|
|
|
|
|
||
|
|
||
|
|
Have you ever stopped to think about how your "mood" affects the way you shop, not to mention the amount you spend? Think about it.
If you want to save a lot of money, avoid shopping whenever you are in one of these moods:
DEPRESSED, UPSET, or ANGRY
It's very dangerous for your pocketbook to shop when you're either depressed, upset or angry. Why?
Many people find that shopping takes their mind away from their problems. In fact, it probably does. But how much does it cost you?
Not only does shopping not solve your problems, but you will also spend money that you did not originally intend to spend.
When you're not feeling "well", instead of shopping, do something where you do not have to spend money. Go to a park. Check out the local library. Go on a nice jog or bike ride.
Remember that if you HAVE to get out of the house, plan an activity where you do not have to spend money. You'll feel much better about this decision after you have cooled down (or cheered up). :-)
Envy Shopping
Sounds terrible doesn't it, but you'd be surprised to learn how many of us purchase quite a number of items out of envy.
Does a friend have a "cool" $600 leather jacket that you want? Have a cousin who drives a flashy sports car?
Who cares!!
That doesn't mean you have to spend all your hard earned money to compete with them. Buy what you want, when you want, and not because someone else has it.
Sale Shopper
Unless you actually need or want to shop for certain products, don't go to store "sales".
Even though sales provide you with some lower prices, most of the time, shoppers end up spending more money than they intended to.
This is the purpose of sales. A store lowers their prices, announces and advertises a big sale, then hoards of people arrive. People come to the sale, and generally spend much more money on merchandise they really don't need.
Be a smart shopper. If you find something at a sale that you really need, go ahead and buy it. When you start piling your cart full of stuff you really don't need, remember this article!
Plan a Shopping Budget
If you plan a monthly shopping budget, you'll find that you will become more "picky" about what you buy. Why you ask?
You don't want to spend your budget on useless items, right? Having a shopping budget will force yourself to answer the most important question: Do I really need this?
If you know the answer to this question, then you will know whether to buy or not. Moral of the story: Plan yourself a shopping budget, don't spend it when you're upset, and ask yourself the question: Do I really need this?
This will help minimize the unnecessary purchase that we all make from time to time.
Gregory Thomas has been writing effective money-saving tips for SavingSecrets.com for over six years. Hop on over and you'll find FREE money-saving articles, a monthly newsletter, and even a FREE Ebook download just for stopping by! http://www.SavingSecrets.com

Here are ten steps you can follow to help improve your personal financial situation and inevitably save more money:1. Pay Yourself WeeklyThis may seem a bit odd, but this is an excellent way... Read More
You've decided you want a bigger, better and more desirable house. How do you determine when to renovate, what to do and importantly, how much will it cost and will we get our... Read More
Future financial success is not a guarantee that any one of us can rely upon, no matter how wealthy we are now or intend to become.There are however five future proofing financial steps... Read More
What is it about being frugal, why do it at all? Actually, some people don't do it at all, they have decided that what they want and desire is what they are going... Read More
Most Americans have been brought up to be concerned about a good personal credit rating, because of the role a positive rating can play in your long term plans; purchasing a home, buying... Read More
If you recently became a single parent and see your dreams being washed away because you feel all alone, you aren't alone. There are single parents that face future endeavors alone like dating... Read More
Here are some tips that can help you save money when dining out. Keep in mind that these tips are intended to help you save money when dining out at a restaurant type... Read More
In this age of information, keeping track of your finances does not mean an archaic jumble of ledgers, calculators, and papers filled with calculations in chicken scratch. Now everything can be taken care... Read More
Car donations and used car donations are the way many people choose to recycle their older model cars without having the headache of repairing, advertising, showing, and hopefully then selling them. Being able... Read More
Recent findings from the Educational Policy Institute indicated that the UK is the third most expensive place in the world to go to university. Combine this with figures from the Prudential, showing that... Read More
To save on food, be an opportunist. Buy what you like, but buy on sale. Do you need oranges every day? Buy them when they're cheap, then buy grapefruit or orange juice when... Read More
This investment retirement account (IRA) is useful to you as an investor to understand because it may be a good way for you to save for your kid's education AND save on taxes.... Read More
If you, like most people, have not seriously considered what steps you should take for planning your finances and are now planning on buying a house, getting married or having children, you will... Read More
ID theft is a major consumer concern, though there is apparently much confusion about proactive protection initiatives and apparently safe and unsafe spending behaviour. For example, many consumers remain reluctant about shopping online,... Read More
Have you ever wondered what it would be like to be able to have complete control over your finances?If you are like most normal people, you have a job. You go to your... Read More
Good money management needn't be difficult. In fact, there a number of easy steps recommended by most financial professionals to help manage your finances better.Pay your bills on time to avoid late fees.Don't... Read More
If you are the normal consumer, then you've probably experienced the Grocery Shopping Blues. Most supermarkets use this trick to their advantage to squeeze more money out of their customers and turn a... Read More
If you want money you need to learn how to control it. You need to improve your financial education and build your discipline. I am going to reveal to you how you can... Read More
For most of us the process of getting out of debt and pursuing a venture that would create an income stream leading to early retirement seems just a pipe dream. It goes without... Read More
Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.A recent guest... Read More
One universal of humanity, no matter who you are or where you come from, you have to eat. Unless you grow your own food, you will have to go to the grocery store... Read More
Now there are ways to save money in the grocery store, and they may or may not take much effort on your part to learn some great ways to save money. Your greater... Read More
As the saying goes: "Buyer Beware". If you see ads claiming you qualify to receive a "free grant" for education, to start a home business or to payoff unpaid bills, be wary. Scam... Read More
Millions of people give a lot of thought to financial planning but get frustrated and give up before ever making any progress. Making yourself aware of the most common reasons people fail to... Read More
It is widely written that you need 75% of your present income to maintain your present life-style in retirement. If you make 100 thousand now, figure 75 thousand in retirement.Fifty thousand now, figure... Read More
The judge had to ask the question, and we had to answer it in order to get our divorce finalized. It was all supposed to be pro-forma. "Why are you getting divorced?" the... Read More
Financial freedom cannot be achieved without budgeting. Budgeting involves tracking your sources of income and more importantly tracking your expenses. It is novel tool for controlling your expenses and making you aware of... Read More
Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past... Read More
An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating... Read More
The price of gas continues to climb, and with continued uncertainty in the Middle East, they will probably continue to do so. In California and elsewhere, prices for some grades of gas have... Read More
If you want money you need to learn how to control it. You need to improve your financial education and build your discipline. I am going to reveal to you how you can... Read More
Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system. This might include new... Read More
My personal opinion is that in today's new economy, it is wise to have multiple income streams. Reliance on one income source poses a risk to individuals, entrepreneurs, and even large corporations. A... Read More
Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to... Read More
An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating... Read More
Today many women are struggling with debt and it's even harder if you are a single mother trying to support your family. According to the Census Bureau single mothers far outweigh single fathers.... Read More
Car donations and used car donations are the way many people choose to recycle their older model cars without having the headache of repairing, advertising, showing, and hopefully then selling them. Being able... Read More
If you have a 401(k) account, it can be very tempting to borrow from your account especially when your balance is very high and a loan could easily pay off existing debt, fund... Read More
To save on food, be an opportunist. Buy what you like, but buy on sale. Do you need oranges every day? Buy them when they're cheap, then buy grapefruit or orange juice when... Read More
Many don't realize that our basic utility bills provide the perfect money saving opportunity for practically every household!Especially with today's energy crisis so prevalent throughout many of the states, you've probably heard this... Read More
Your boss has just informed you that your department is being reduced by two and you are fired. After he leaves, what are you going to do? This is not about finding a... Read More
Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that... Read More
As a parent you are bound to face a few challenges but as a single mother you are bound to face challenges almost everyday. Raising a child is not meant to be done... Read More
With interest rates being at an all-time low, I can understand the urgency for people wanting to purchase a home. But I caution the first-time home buyer to learn how to budget their... Read More
Millions of people give a lot of thought to financial planning but get frustrated and give up before ever making any progress. Making yourself aware of the most common reasons people fail to... Read More
You have probably accomplished a great deal with your life. Over the years you have worked, planned and saved. Perhaps you have even made some sacrifices to achieve your current level of success.... Read More
Are you a check fanatic? Don't worry, you aren't alone. Millions of consumers write checks every year. In fact in the United States most consumers use checks to handle payment transactions.Want to convince... Read More
You no longer look at the pictures of homes cause you yourself bought one. Well, you know how you got that, it was a huge investment. Now that you are facing some financial... Read More
With the A-level results coming out, the long wait for UK school leavers hoping to go to university will soon be over. All the hard work that has been put into achieving the... Read More
Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past... Read More
It is possible to eat a healthy, balanced diet without breaking the bank! Here are some suggestions:-Eliminate junk food. You may have to do your grocery shopping alone, since children (and sometimes spouses!)... Read More
Address labels are many things to many different people. If you are a huge fan of address labels, you aren't alone. If you are not a fan, you simply haven't yet realized the... Read More
Here are ten steps you can follow to help improve your personal financial situation and inevitably save more money:1. Pay Yourself WeeklyThis may seem a bit odd, but this is an excellent way... Read More
It is crucial as an individual who is striving for financial freedom to be able to recognize the different type of expenses in our lives. It is a proven theory that it is... Read More
With the advent of the internet and especially auction services like those provided by Yahoo and E-bay, serious collectors have much larger arenas in which to buy and sell their wares. This provides... Read More
Did you have a piggy bank when you were a child? I did. Mine sat empty for a long time until my mother convinced me that I should really start putting my pennies... Read More
Everyone needs to maintain their lives. What I mean by that is that we all need to take certain measures to make sure that we have a home, transportation, food, entertainment etc.One of... Read More
I have to admit, I do it too. I complain. Seek better. Complain again. Ridiculous cycle. It's more of a condition really. A humanity disease, I think we are born with it. It... Read More
| GOOGLE AD |
Personal Finance Personal Finance |