Skip to main content

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

Post a Comment

Share your thoughts! (But strictly no advertisements please)

Popular posts from this blog

近期所用的美容产品分享篇

*还没参加抽奖游戏的朋友们,快快按这里吧~ 到今晚10点罢了哦!* (For those who have not participate in the Bangkok giveaway, click HERE before 10pm today!* *帮我的家换了形象,还好吧?^^ *
好久好久没来篇像样的华语post咯! 今天就算牺牲美容觉也得呕出一篇来回馈我亲爱的读者朋友们,我知道有时看太多鸡肠对眼睛不好 xDD 怎样,我抵錫吗?:p
Hmm 近期有用了些我觉得很不错的美容产品想和大家分享分享。
1. Tosowoong pore brush 这是我美容师介绍的,来自韩国的电动洗脸仪。据说是韩国最好卖的电动洗脸仪。用的是0.045mm的nano钎维细毛,最大功能就是能彻底的深入毛孔而清洁毛孔里的污垢,同时也不会令毛孔粗大,效果比平时我们用手洗来的更干净。因为用的是很软的细毛所以可以每天使用,也不会造成什么皮肤敏感等问题。 基本上它的操作方法就好像电动牙刷一样,先将细毛弄湿然后挤上洗面乳,on一on,就可以轻轻的往脸上洗。
上回从曼谷回来脸上突然起了好多粉刺油粒,而且还是会痒的那种,应该是那边的水和空气肮脏,加上喝不够水,又不够睡,搞到毛孔诸塞阿!刚好美容师介绍了这个 pore brush,用了几天后,真的有觉得皮肤比较干净亮丽!不过我并没有每天用啦!有时赶时间的时候,用手洗会比较快 xD 想要更了解Tosowoong pore brush的朋友,可以按这里
满意度:8/10
每次用完后把细毛稍微清洗,然后放在附送的stand上,自然风干就可以了
电动棒也可以’振出’很多泡沫~
这些细毛也不会集水,所以很快就会吹干了
里面用的是一个AAA电池。基本上只要把盖锁紧,整个洗脸棒浸在水里也没问题。 售卖价格:RM 170

2。那天去索取了一包7天装的 Clarins double serum sample,用了一次后立刻爱上它了!!我一直以来对Clarins的产品都有好评。这个也不例外! 它是以油和水所制成的,里面共有20种植物精华,主要功能是抗老,减少皱纹,缩小毛孔,紧实肌肤,让肌肤有弹性。 我一直相信抗老必须从早做起所以在还未迈入‘3张’就必须打好基础,呵呵~

包装里有两种精华分别是水性的和油性的。把两种精华混合在一起,轻轻往脸上压和拍打就可以了,不需要刻意…

BFF trip to Bangkok 2013: The food post

Bangkok is not only a heaven for the men shopping but also food! I've actually Google and blog hopping beforehand to see what's worth to eat at Bangkok, can only chose the most popular ones as we were there for only 4 days 3 nights, a very rush trip.
I've filtered out those food we ate during the trip which I think worth mentioning.
@ Food court, Platinum Mall Green curry chicken rice
Beef noodles
Fruit crepe
The food court is so big here in Platinum Mall, hundreds of tables are provided but almost all are occupied.

Dessert @ Swensen, Platinum Mall

(pale looking face, first day after touching down) Swensen is not in my itinerary, we decided to go here instead of Mr Jones Orphanage at Siam Center cause of the location. Siam Center is further away from where we stay, but Platinum Mall is just about 10 minutes walk from the hotel. End up, no regrets! Much cheaper and yummier compared to Malaysia.

T&K seafood, Chinatown  (It's easier to get here by metered cab)





By far…

近期的我们

Aden: 各位阿姨叔叔好啊!=)


最近实在忙,几乎一个星期才能生一篇文,有时两个星期呢 =_="
早上都在忙家务忙孩子和载大宝上学。  下午得哄小宝睡午觉~ 还要兼顾我的网卖生意。 不过最近的他好像不爱睡午觉了耶!如果他没睡我就更不得空了!得陪他玩~  话说玩不到一下下就得出门载Aden回家了~~ 每个星期的两个傍晚我都会上tabata课,一下课就回家继续当‘佣人’ xD
晚上就是陪/教Aden做功课,有时间的话就看看AOD的香港连续剧(话说最近的连续剧都不好看!)  过后就要给孩子们睡觉啦!  每天大概就是这样过,几乎都在做同样的事,都是围绕着家庭和孩子。  不过忙归忙,累归累,我觉得都是值得的啦!  当了全职妈妈5年,没后悔过 ^^

 近两个星期的天气都很糟~ 想不到可以去哪个游泳池(之前去到酒店游泳池已经不开放给外人了 T_T),所以干脆在家玩玩水就好~ 还好这几天开始有下雨了,要不然真的要发热气了!

 上周末大宝的幼儿园老师举办动物园半日游,我第一时间报名 :p (当然是先问Aden意愿啦) 虽然上学半年多了,很多时候他还是比较内向/慢热。这次就让他和老师朋友出外郊游。原本想和他一起去,还好我没有!想说借这机会让他独立独立 =)

 老师拍的照片~  看了都感觉很热很热对吧?  一说到动物园,我第一形象就是热!xD

 小朋友们都在找什么啊??
 去载他的时候都没什么,老师也没有complain xD  问他开心吗,他说开心,看到很多动物,还说谁谁谁跌倒,谁谁谁的妈妈有去等等~  看来是很enjoy啦!


 我虽然很累很想休息,不过周末傍晚如果天气好,我都会尽量带他们出外玩玩~  要不然呆在家也是看ipad玩玩具而已~

 久久晒一下夫妻两的照片 :p  我们还是一样,无穿无烂 :p 只是最近的他晒黑了很多!没办法啦!太阳公公太热情了,而老公也得出外做工养活啊~ (
辛苦你了老公) 话说我好像很少在这里提起我家abang的ho?哈哈!
不知不觉都认识了14年,当夫妻已有8年。  两公婆开心的时候有,不开心的时候也不少呵呵~  不过这也算正常吧?毕竟要两个不同背景的人要走在一起组织一个家庭不容易,难免会有意见不合争吵什么的~  我觉得最重要还是要互相体谅和多沟通啦!这样才能长久~ right? =)

 从早忙到晚的我,真的很需要好好保养和调理身体~  感恩我遇见…