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Top reasons why you're overspending

1. Paying With Plastic

Takeout or dine in? Paper or plastic? Cash or credit? Of all the choices you make at the checkout counter, the decision to pay with a credit card has the biggest impact on your bottom line. studies shown that consumers are willing to spend more when they pay with a credit card instead of cash, because it allows consumers to focus more on what they're getting, or buying, than what they're losing, or spending.
Credit cards "buffer the reality of spending because they leave more cash in our pockets and purses and provide a delay before payment is required."

(so the next time you decide to pay with card, think again!)

2. Listening to Music

Listening to music is perfect for increasing motivation during a workout. It also increases the motivation to spend. You're more apt to give in to impulse purchases in shops where instrumental or classical music is playing, according to one study.
Experts believe that loud music also impacts spending.
Louder music in restaurants pushes people to eat faster, order more and consume more food because they can't talk to each other over the noise. Being overwhelmed by music also interferes with our ability to think clearly, which can lead to spending more money.

(wow interesting! this is one the business tactics huh?)

3. Buying in Bulk

Before you stock up on a 280-ounce bag of chocolate chips, consider this: You're more likely to overspend when you buy in bulk.
A case of paper towels might cost less per unit than a single roll, but it'll add a bigger lump sum to the total bill, which could lead to blowing the weekly grocery budget. There is another reason that buying in bulk adds up at the checkout counter.
The more you consume, the more you'll spend.

(well this is complicated, we always think that buying in bulk is more worth and saves up our money, right?)

4. Buying Clearance Merchandise

There is nothing wrong with getting an item on sale. The problem with the clearance rack is the items are limited.
It leads to the idea that "if I don't get it now, it won't be there later." The fear of missing out tends to make us much less rational about evaluating our purchases, so we end up spending money on things we didn't want or need.
To avoid overspending on unnecessary sale items, try applying the Boy Scout motto: Be prepared.
Tell yourself that you're going in to buy a specific item and you won't get caught up in the frenzy of the crowd.

5. Shopping Without a List

It's one of the most oft-repeated mantras of maintaining a budget: Make a list and stick to it. You're more likely to buy only the things you need if they're written down in black and white.
If you struggle with self-control, bring cash instead of a credit card. You can't overspend if you're limited to the cash in your pocket.

(it definetely sounds like a good way! but it wont work if we're on the rush, right?)

*reference*

Comments

  1. Useful information.. i do write a list at times..not to save money but bec i have a short memory! :p

    ReplyDelete
  2. Hey Claire, thanks for dropping by~
    so far, i have not adopt such habit, i think i should start doing this to save more!

    ReplyDelete

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