Change Your Shopping Habits: How to Buy Less

change your shopping habits, buy less

Have you ever asked yourself why you buy a certain thing?

If not, now is the right time.

I can’t even imagine how big the amount of money spent by big corporations is on marketing researches, statistics and learning everything about the client’s behavior.

Without knowing what it is that provokes a purchase, how spontaneous ones happen, what makes us choose one brand over another, how a customer becomes loyal and what stimulus affect us while deciding whether to buy it or not, companies won’t be able to have this big influence on our shopping habits.

The result is:
we buy more than we need;
• we end up buying stuff only because it’s at a discount (although otherwise we would never even consider getting it at the first place);
• we shop spontaneously;
the more things we buy, the more we want;
• we get into debt;
• our house is full of useless belongings;
• we don’t appreciate what we’ve bought;
• we never make full use of it.

So now it becomes a problem.

We often buy because of the influence of ads, the Internet, friends or else. Or because we’ve just seen the item somewhere and have been craving it ever since.
Then we need something to go with it. We may even buy a few of it – you know, just in case.

After our second purchase from the same shop we receive a discount there or a client’s card. Our email is full of information about sales and promotions. They offer big gifts and services if we buy a certain thing now.

Soon we found ourselves in a room, full of stuff we never thought we would own. That is the vicious circle of today’s market.
It’s well thought-out and has massive incomes. And will continue doing it until we take control over out shopping habits and become aware of what we buy.

The first step is to be able to make a difference between wants and needs. We often mix them and that’s why we fall into this trap.
You need to carefully think of how often you buy something because you actually need it.

Here is what you can do in order to check if your desire to have a certain good is real and whether it’s worth buying.
When you see something you want, ask these questions:

1. What will you use it for?
2. Is it worth the price?
3. Do you think it’s good enough to own it for good?
4. Will you still want it that bad in a week or a month?
5. How will it improve your life?
6. Is it only a whim?

Shopping with limits

The solution lies in mindfulness – the ability to buy consciously, slowly and wisely.

This way you’ll be aware of what you spend your money on, will be able to decide whether you really need it in your life and be happy with the decision.
You will also manage to ignore all the distractions and influences around you.

And here are some things to consider if you want to buy less:

• don’t go to shopping centers or local shops if you don’t need something new – the temptations there are hard to resist;
• do it consciously – ask yourself the questions you just read;
• always carry with you a shopping list and stick to it;
• when you buy something new, get rid of something old. This is the only way to keep the balance.;
• avoid being exposed to ads – unsubscribe from all the sites sending you offers, stop watching TV, ignore your friends’ recommendations of the products they use;
• keep a record of what you’re buying. It really helps as it makes you see the big picture;
• tell your family and friends to keep track of your shopping and interfere if it gets out of control;
buy only to replace broken and damaged stuff, worn out clothes and shoes;
• when you go out, don’t take a lot of money with you;
• if you need something for a while, consider borrowing it;
• try to live without most of the new things you want.

These simple tricks can help you become more aware of your actions when you’re out shopping.

Do you have a problem with buying stuff you don’t need? How do you feel after that?
And what other tricks can you think of that will help us change our shopping habits?

See also:

50 tips for grocery shopping
Breaking free from consumerist chains
Love life, not stuff
The intelligent man’s guide to consumerism: The confused customer
Take the fear of compulsion out of shopping
12 ways to become a more rational shopper

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How to Successfully Manage Money in Your 30s

How to Successfully Manage Money in Your 30s

A proper money management plan is of great importance when you are in your 30s because not only your salary is greater than before but you have a lot of expenses to cover too.

You might be paying the loans of your new house, car, or might be spending a lot of cash on your kids’ care and education. This is why it is important that you start planning for your investments and retirements in your 30s and up your game a little.

While it was okay to save a few hundred bucks in your 20s, this won’t cut it out for you anymore. You need to have enough money for emergencies and let’s face it, the likelihood of emergency situations increases once you are in the 30s. Don’t worry, you don’t have to be scared. It might sound intimidating but there are easy ways to manage your money.

Evaluate your Current Assets

The first thing that you need to do is scan your current financial status and make a list of all your bank accounts, stocks, bonds, and other assets that you might own or possess.

Make sure that you calculate the value of all your assets and then add them up to determine the amount of money that you currently hold altogether. This will give you a better idea of how much you need to invest and how much you need to add to your retirement or emergency fund.

It will also give you a clear idea of any debts or loans that you might have so that you can plan a strategy to pay them off as quickly as possible.

Increase your Emergency Fund Stash

Most importantly, increase your emergency saving because the financial responsibilities increase when you are in your 30s. While it was okay to save a few month’s expenses in your 20s, it is no longer enough for your 30s.

This is because you might have house mortgage to pay or pay for your children’s needs which is why your emergency saving needs to be bigger too. It would be advisable to keep at least 6-12 months’ worth expenses in your account in case you lose your job or fall chronically ill.

Also, take into account your average salary income. If you have an unsteady job, then you might need to save more than a person who has a steadier job profile. The thing to remember is that if something goes wrong, you can’t sell your stuff and move back with your parents anymore. You have a family to take care of and it would be a bad example to set for them.

Get Rid of all your Debts and Loans

Next important thing to do is to first get rid of all your credit card debts and bank loans that you currently have. There is no point in prolonging your debts anymore and increasing the interest on your debt amount as they can seriously bring down your credit score.

That’s something you’d want to avoid because your expenses are going to increase in the coming years with the children school fees, college fees, and so on on the agenda.

Also, it is high time that you start planning for your future but you can’t proceed until you have a good credit score. If need be get help from a top rated credit repair company like Lexington Law for a better score.

Just use your savings to pay off your debts so that you can start making plans for your money and grow it as when the opportunity arises.

Start Your Investment Portfolio

Another important step would be to start investing your extra cash to grow your money quickly.

Investing your money in stocks, bonds, etc. can help you accumulate more money which you can use for the down payment of your house or for your wedding expenses. Although it is not essential that you start investing immediately, take your time and create a portfolio first so that you can choose the right investment scheme for yourself.

Once you have a better idea about investment business, you can make use of your extra cash and gain some benefits out of it.

Get Health and Life Insurance

You never know when you or some other family member might meet with an accident which is why it is important that you get the health and life insurance sorted out for your family.

However, apart from looking at the health coverage, also check if your company provides you with some medical benefits or not. If this amount isn’t enough then you might need to get a personal health insurance and would need to save more money for emergencies.

This is the right time to get life insurance as well so that your children and spouse won’t have to suffer if anything accidentally happens to you.

You could also look into policies that allow the spouse to take over and manage the bills. Don’t skip out on the life insurance and make sure that every family member in your house has one for themselves.

Set Aside More Money for Retirement

Another important thing to do is to save more money for your retirement. While saving for retirement might not seem a big deal in your 20s, it is extremely important that you start taking it seriously in your 30s.

Put 10-15% of your salary towards your retirement so that you can save more in the remaining time. You can also use online tools to calculate the approximate amount that you would need to live after retirement and then make it your goal to save that much by the end of your 30s.

Taking proper care of your finances in the 30s is important if you want your future to be predictable and stress-free. So, make sure you do consider these methods and manage your finances well for the coming years.

Taking proper care of your finances in the 30s is important if you want your future to be predictable and stress-free. So, make sure you do consider these methods and manage your finances well for the coming years. #moneytips #moneymanagement #finance