💰 How to stop spending money on unnecessary things: tips and methods 🛑
Spending money on unnecessary things is a serious problem for most people. It would seem that you just got your salary, and the money is already gone. And this is if you do not look at the situation from a long-term perspective. But from a long-term perspective, such a person works regularly, but his standard of living does not improve. Even the opposite is possible. In this case, a person accumulates unnecessary things that have nowhere to put. Over time, his apartment begins to look like a wholesale warehouse of all sorts of unnecessary things. How does this happen? Why do many people spend money on completely unnecessary things and is it possible to stop spending money on unnecessary things?
Here we need to understand who is most susceptible to the influence of unplanned financial expenses. And with ways to resist the temptation to make a purchase.
Reasons for thoughtless spending
Aggressive advertising and marketing
First of all, unplanned purchases are made by people who are easily influenced. Have you never been called by representatives of a company and offered their unique service? Or even just stopped on the street with the same offer? Most likely, the answer of most readers will be positive. But if for the majority this method of influence has long since become irrelevant, then some people succumb to such influence. And, due to the gentleness of their character and inability to refuse, they make a purchase or decide to use the offered service.
Advertisers like to tell us that a product is “selling out amazingly fast.” There is no need to convince us that the product is good, just that many people think so.
Counteracting imposition
Develop strength of spirit and character. After all, every day there are situations in which we have to refuse someone. That is why, and also to save your finances, you need to be able to refuse.
Clever Marketing
Here we can include regular high-quality advertising, as well as various discounts and promotions. Often, the product is presented in the brightest light. And a person can no longer imagine his life without the product offered to him. Promotions and discounts act a little differently. They activate a person's desire for free profit. But what if you can save money on a purchase when buying a thing that is not the most essential? Why not buy it. What if tomorrow it comes in handy? Often, the buyer does not even know the price level that preceded the promotion, and those crossed out numbers that are indicated on the price tag are nothing more than a marketing ploy.
Method of counteracting advertising
The method of counteracting such marketing techniques is to plan all your future expenses in advance. The most correct option would be to draw up a specific plan of financial expenses, from which you cannot deviate even a step. This is the only way to keep your money safe and sound.
Impulse purchases
Quite often people make purchases that are caused solely by impulse. This can be seen most often in the example of girls. A girl walks through a store, notices beautiful short shorts and, at the peak of emotions, buys them. And already at home it turns out that these shorts are too vulgar, the girl will not wear them. But the money has already been paid.
Most often, such things are then taken out of the closet twice a year, put on, the owner spins in front of the mirror, takes them off and hides them back in the closet. And the list of impulsive purchases is not limited to just clothes. If we talk about men, then such a purchase can even be a motorcycle accidentally seen on the showroom floor. A guy may dream of a motorcycle. But what if he has never ridden one and is even afraid of this type of transport? This also happens!
How to avoid impulse buying?
As in the previous case, it is worth mentioning the advance planning of a list of all necessary purchases. There is never room for impulsive purchases in such a list. In addition, you need to develop your emotional discipline. You need to treat everything calmly and judiciously. Well, if you seriously decided to buy something, just seeing the object of desire on a walk, put off the purchase for at least three days. During this period, emotions will cool down. There will be time to think about the appropriateness of a particular purchase.
Fashion and popularity
When we talk about fashion, we mean not only clothes specifically, but also fashion for various things. If everything is clear with clothes, but with things we need to sort it out a little. Let's take smartphones as an example, as the most vivid and understandable situation for a modern person. Manufacturers are constantly updating the model range of their devices. But the further, the less these devices differ in characteristics. If you dig deeper, then not all of their functions are used by buyers. This means that people pay money for functions they do not need. Well, how can you not buy a new smartphone model? Even if it differs from the previous model in that the case has become thinner by two hundredths of a millimeter. And that is due to the battery of reduced capacity.
Counter-trend method
Develop critical thinking. You need to not just blindly trust advertising, succumbing to the work of marketers, but also evaluate a new product with a reasonable look and compare it with your existing smartphone. And you can sacrifice a fashionable thing if we are talking about a profitable investment of financial resources. The situation has already become anecdotal when people buy a new model of a smartphone, but at the same time, do not have money to make a call.
The main resource of the modern economy is a fool. You can sell him everything.
Lack of meaningful goals
If people do not have a major goal that requires finances, then such people part with money much more easily. They make more and more purchases. And then they are surprised that after working for a huge number of years, they have nothing. Sometimes people simply lack faith in their own strength and faith in the possibility of accumulating a specific amount. People really do not like to think about the long term and wait.
Always set a goal
Believe in yourself, set goals and start saving money. Even if there are no global goals such as buying an apartment or a car, just limit yourself to a certain amount of money that you would like to save. And do not make thoughtless spending until you save up a specified amount and reach your goal. And having achieved one goal, set an even bigger goal for yourself, which will allow you not to lose money!
Conclusion
So, we have sorted out the main reasons why many people fail to stop spending money on unnecessary things and start saving. But there are methods of counteraction and they are on the surface. You just need to show a little endurance and self-control. And then you will definitely stop making useless purchases, spending the money you earned.