How to stop to make impulsive purchases once and for all

You can lock your credit cards and avoid favorite stores, but still wrong to spend money. These tips are not struggling with the real reason for impulsive purchases. It's all about willpower.

Financial Planners are advised to create a distance between the stimulus (impulse buy unnecessary items you) and response (decision of purchase). Should not just avoid it or inducement to deal with its consequences, and to overcome it in the bud.

Postpone the purchase at some time

The best way to check and at the same time strengthen its willpower - is to force yourself to wait. To do this, use the rule of 1 000 rubles. When you want buy some thing that is worth 1000 rubles or more, postpone the purchase of at least a week. So you will have time to think whether you need this thing really. The amount can be quite all, it all depends on your income.

Give yourself time to make an informed decision without going beyond your budget.

In addition, this week you will be able to look for attractive discounts or action on this thing elsewhere.

Of course, impulse purchases are not always expensive. Think how much crap you bought, standing in line at the box office or browsing products online. For such small purchases using a rule 100/10.

If you are in doubt about buying things, which costs $ 100 or less, do not spend on thinking about more than 10 minutes. If the goods are more expensive than $ 100 and after 10 minutes you still have not decided, you want it or not, feel free to put it back on the shelf. Naturally, in this case, you can also choose the amount at its discretion.

Think about your goals

When you try to accumulate something certain to resist impulse purchases much easier, because then immediately noticeable that reckless spending hinder you on the way to your goal.

This phenomenon in the economy called opportunity cost. This loss of revenue as a result of selecting one of the alternatives for the use of resources and the rejection of other options. Indulging in some buying, as if we are making a sacrifice. A sacrifice comfort no one likes.

When we hoard something, this saving is converted into an alternative way to spend the money.

Therefore, control your costs much easier when you know exactly what benefits will bring you the money saved.

Plan a realistic budget

It is impossible to completely protect yourself from spending. Do not forget that the money - it is a tool. They are made to be spent. And there is nothing wrong to sometimes indulge in some shopping. Just need a realistic plan for such expenditure.

Set aside a certain amount for the purchase of pleasure. Just do not overdo it. It should be enough for small expenses, when you want to treat yourself. Being limited to this amount, you will not spend too much.

Try to spend only what you love, and not on what you like.

Divide your expenses into two categories: what you like and what you dislike. For example, you like to spend money on clothes, but you love to spend it on travel. Discard the expenses of the first category. This will help reduce the number of impulse buys.

You have more willpower than you are accustomed to think, it just needs to be strengthened. This is particularly difficult when it comes to finances. To apply these tips in your life, will have to work hard, but they will be repaid over time - literally.