6 Habits That Make You Broke

6 Habits That Make You Broke  
 BOOMZ77-boomz77.blogspot.com New 10th of this month, but your account balance is close to zero. Where your money gone? You might have to pay so much, but you do not realize. Because you are not spending anything important. You are not required to pay insurance premiums, pay school children, or pay for a car service. You just window shopping or flipping through online shopping sites. Wow ... apparently this is the source of the problem.Since it is a daily activity, your window shopping is no longer considered as a source of expenditure. There are still some other things you often do, and it turns out to make a quick paycheck shrink.
1. "Window shopping"
Often times we are window shopping with fraudulent reasons having no activity. It's nice to see some good stuff around us. However, from a mere whim, so you end up buying something you do not want. You do not even need to leave the house to window shopping. Just by looking at the catalog, browse the internet, read magazines, or watch ads on television too, you may be tempted to buy.
Actually, you already know that window shopping is a bad habit that needs to stop high discipline. The most secure way is to visit the mall if you do not need something to be bought or found. Other than that, no need to ask for a catalog or to accept e-mail updates on your favorite items. Ask yourself: do I need and can I buy it in cash? If not, hurry over.
2. Bring lots of cash
Rely on credit cards for shopping was not good, but it always brings a lot of cash as well as bad. Cash gives you a feeling of having excess money, and therefore need to be spent. Bring just enough cash, and leave the rest at home. Avoiding credit card needs to still be done, but the important thing is to make a budget about when to pay for something in cash. Management envelopes also quite effective for managing cash.
3. Share your personal data on a vendor
When you do online shopping, you certainly will be asked to provide your home address and credit card information. These sites also provide one-click buttons to order something that you can buy in a heartbeat. It's easy, but also very dangerous. Tricks spending serbamudah not only make you run out of money if you are classified as impulsive shopper, but also relieve have used the money. Because you do not use cash or a credit card to sign struuk here. All just click.
Do not let the vendor keep your credit card information. Avoid signing up for e-mail or catalog if it is simply to encourage you to shop.
4. Collecting shopping vouchers
Get a discount of Rp 100,000 for body care products or sportsgear is passable, but make sure that you really need these items. Just because receive shopping vouchers, does not mean you have to spend it right? After all, most of the value is not so pronounced. No need to feel shame when vouchers ultimately redundant because it is not used. You better make a list of items needed, then just see if there are vouchers that can be used.
5. "Shopping" with emotion
You might want refreshing feeling stressed at work or bored at home. Or, you want to pamper yourself for successfully losing weight. Then, you were shopping. You managed to get new clothes, new gadgets, latest novels, more sale anyway.
However, let your mood dictate spending decisions is the quickest way to become bankrupt. Calm yourself before shopping. Back to the basic question: do you need it and if you can afford it? You can really reward yourself without spending money, such as a soak in the bath, or massaging each other with their husbands, girlfriends or mistresses (hehe).
6. Do not make plans
You exhaustion after coming home from the office, at home and no food. The most practical is to buy food. Based on data from the Bureau of Labor Statistics, in the United States is estimated that the average family of four spends more than 4,000 dollars on eating out. Is not this a very expensive habit?
If you shop weekly, list the menu for the week so that you always have the ingredients for processed foods. If your activities are so dense, try to cook on Sunday, then store in the fridge to eat the next day. However, the cooking itself is far more economical and healthier than buying food outside.
And, high discipline needed to change these habits. With planning, discipline, and avoid situations that tempt you to shop, this bad habit will definitely resolved.