Why do we pretend rich, instead of thinking about the future

For many much more important to buy this or that thing now and feel secure, rather than to make savings. It's time to figure out how it turned out that a cup of coffee or a new iPhone for us is more important than a reliable future.

Trent Hamm (Trent Hamm)

Writer and blogger, creator of the popular site for business and finance The Simple Dollar.

Reasons reckless financial behavior

1. The desire to impress

This is due to the so-called spotlight effect. It seems that everyone notices how we look and what we do, but in reality it is not. Few people pay attention to, what kind of car you drive or what clothes to wear, and even fewer people give this value.

There are many ways to overcome the effect of the spotlight, but they all boil down to one thing: spend time trying to to develop and improve their skills, then you do not have to imitate the self-confidence with the help of an expensive car or clothing.

2. Retail therapy

Spending money, many feel better. Shopping turns into entertainment which takes not only a lot of money, but also a lot of time.

Here are some ways to cope with dependence on shopping:

• constantly remind yourself of your goals;
• automate their savings;
• spend more time with friends who do not support this hobby;
• try to find a non-material methods to curb their emotions.

3. Media

The behavior of many people affected by what they see on TV or in magazines. Change your approach to the media. Less watching TV and more, see the book: they do not see the hype.

4. The influence of friends and neighbors

You be the arithmetic average of five people with whom you spend the most time.

Jim Rohn, speaker, writer

It is better not to settle in the area, the inhabitants of which your wealth above. Then you will not have the feeling that you have to be better than others, and buy the same thing as buying neighbors. Also, try to spend more time with friends who reasonably relate to spending.

5. The desire to live in his pleasure, while young and healthy

We simply can not know what awaits us in the future. You can not assume that everything works by itself. At age to find a job much more difficult, and not just because we come from the health problems, but also because of the rapid development of technology. Therefore accumulation - it's not just money that you will be living in old age and guarantee that you will be able to survive in the changed conditions.

conclusions

Yes, there is such life seems pleasant, but the thoughtless disposal of financial limits your ability in the future. So stop pretending rich and start to take care of tomorrow today.