Although all the tricks of marketing have long been known, you can avoid unplanned spending only by learning the basics of financial discipline, which anyone can learn.
Every person makes rash purchases from time to time. Even psychologists argue that too often you cannot deny yourself the desired spending. But the waste must be justified. It can be difficult to resist, because a huge army of marketers and researchers work tirelessly to ensure that when we come to the store, we leave a lot of hard earned money.
Say "No!" storefront shopping and go shopping with only a list
The same rule applies to online purchases. It is optimal to establish in advance for yourself the scope of spending, which is not recommended to go beyond.
Do not throw everything you like in the basket
The advice is more relevant for online shopping, but in real life it will not be superfluous. When a product or thing is already in the basket, the desire to buy it increases significantly. Later, you will only rejoice at how wise and restrained you acted, refusing to purchase another unnecessary trinket.
Gift cards should not be neglected
You can buy them in almost any store that values its customer at least a little. Realizing that the budget of the card is limited, you will not even look at useless purchases, having made a choice in favor of the necessary ones.
Determine an acceptable discount rate for yourself
How much should be included in the price cut for you to notice the sale? Recommended not less than 30% - less and should not be sprayed. Also pay attention to the cost of the purchased goods before the markdown - it is easier to understand your own benefits.
Do not take the first thing that fell on your eyes
Check the price online and make sure the price is not overpriced. The same rule applies to imports - on the World Wide Web you can find the initial price for absolutely everything! Sometimes it happens that it is more profitable to order even abroad.
Pay with cash
This recommendation works with a caveat - naturally, it is inappropriate for online purchases. The secret of the advice is that holding money in your hands makes it harder to say goodbye to it. But you cannot bear such responsibility for the financial reserve of your card. Also, train yourself to enter payment details manually every time you buy: it might just be lazy and this will help to avoid unnecessary expenses. It is better to make purchases on the Internet from a tablet or PC - this will also have to enter data, and, without using programming innovations, photograph a bank card for instant reading. …
Don't go for free shipping and discounts if you don't need to purchase
It may be beneficial, but if you do not deny yourself another waste, then the second and third will follow, and this is a strong blow to the family budget! In addition, free shipping will force you to buy more items at a time and the savings will turn out to be rather vague.
Check your subscriptions
These may include completely unnecessary channels or services of Internet providers, paid accounts in social networks, newspapers and magazines. A lot can be found on the Internet absolutely free of charge!
The last and most effective way to deny yourself a worthless purchase is to test the stranger
Ask yourself a question: if a stranger offers the desired item or money, which one will you choose? So you can understand whether this thing is really needed or is it better to invest in something sensible.
