12 psychological tricks that will help to spend less on holidays

Moreover, in your pocket crush external factorsAnd this again suggests that it is time to take note of some useful psychological tricks that will help to spend less on the eve of holidays or during a routine shopping trip.

1. Use the rule of 10 seconds

Every time you're in the store, take the potential purchase in hand and hold it for 10 seconds. During this time, ask yourself whether or not this thing you need and whether you can spend the money on something more important? Almost always, you return the thing in place and come away with a proud feeling of being let down is not savings.

2. Complete 'stranger test "

Another quick and easy trick is to present in front of a stranger, in one hand, which is the purchase, and the other - its cash equivalent. What do you choose? If the money is, then, the thing you are good, do not need and should abandon it.

3. Postpone non-essential purchases for later

There are cases when the slowness goes in your favor. For example, when it comes to shopping "at the discretion". In this case, it is better not to rush to weigh the pros and cons, or just look for the best price. This strategy is excellent for

online shopping.

Surely you once could not decide which of the shirts profitable emphasize your style. The next time you should not torment yourself with a choice: to shower in the virtual basket all the options and forget about them for as long as time permits. Hours, days and weeks, everything will judge themselves. So, some of the shirts may disappear from the market, some of the sellers will send you a coupon code or one of the products will go on sale.

4. Keep only the cash in your pocket

Chances are you've already heard that people spend much more if the outfit with a credit card.

Studies confirm that people parted with ghostly virtual bills much easier than with real, not corny controlling their consumption.

Therefore, if you do not want to go into the minus, shop only with paper money. Plastic cards and leave the house at all, pre-clearing the exact amount of money you are willing to spend. Thus you protect yourself from the financial turmoil in the future.

5. Walk with new bills

Addition to the above advice: if you go shopping with in cash, take only the most fresh and crispy notes. Studies show that people prefer the new bank notes and the old, battered and dirty trying to get rid of. Surely you've noticed it yourself.

6. Wrap a piece of paper with a reminder card

Do not like to stand in line for the money at an ATM? Wrap a plastic card or paper paste sticker to it, especially if you are prone to impulse purchases.

Draw on paper a motivational message itself, such as the purpose of your long-term savings, or write something sobering, for example: "What are you going to do the next day, the poor fellow?".

This physical and psychological barrier will make you more time to think and give a chance to hit the brakes in time.

7. Counts the money in hours

Suppose you earn $ 500 per month, that is a little more than $ 3 per hour. The next time you decide to buy something, think about how much the purchase is worth in terms of hours? Very, very likely that you perehochetsya coffee worth one hour of your work phone or the latest model of the 250 hours of your work.

8. Never spend a trifle

Yes, the abundance of paperwork bristling purse. Yes, the coin roll from one pocket to another angle. However, it's still not a reason to spend a little thing only in order to get rid of it.

Piggy - your everything. Personal home bank which will gladly accept any sop, a month or two will please you with its contents.

9. Go on shopping alone

If possible, go to the shopping unaccompanied, unless you do not plan to share the costs with his companion, of course.

Studies have shown: the more people you take with you, the higher the probability of spontaneous purchases.

You do not need a "tail" with their weaknesses, you will not be able to refuse a small favor. You do not need a serpent approving excesses in your cart.

10. Limit the places and shopping time

Feel one simple rule: the more time you are allotted on a shopping trip, the more money you spend. Reduces the frequency of trips and limit the number of shopping centers, you plan to visit.

Remember: the time spent cutting into the subcortical and forces you to make a purchase only in order to justify the lost hours.

Before you go shopping for the holiday, make a a list of prospective purchases and to identify stores where they can make. If you have already noticed that the trading platforms too quietly burn your time, do not be lazy to have an alarm clock that tells you when it's time to wind down.

11. Enter the tax system

Take the example of the State, which calculates monthly from your salary income tax. Set the rule: 10% of your income should be deposited in the emergency reserve. In contrast to the financing of intangible state needs several months of voluntary taxes serve you good service in a decent amount of money that can be spent on additional training, the long-awaited journey or the same gifts.

12. Feel free to say "no"

Many people take "no" against his own shop in a negative way: the feeling compelled rolls economyConstant regard to the budget and loss of opportunity. How to get rid of it? Remember: giving up something fleeting and unnecessary now, you say "yes" to something really important in the future.

And the more tangible benefit from such a failure is that we should not blindly accept the terms of the seller, who puts on his goods unaffordable price. As often happens, the cost of badly overpriced. Try to cancel the purchase and turn to the exit - it is possible, the price tag will drop immediately, not once, if you show coolness and perseverance.