No debt: 5 ways to forget about credits

Probably all agree that the debt limit and we grieve. In the life of a lot of unpleasant moments, but this stress is not like the others. Before you take another loan, it is worth considering not only about getting new things, but also about how it will affect your health.

If you had a falling out with a friend, retired from the scandal and broken leg - this is a temporary stress. The body has the resources to survive, survive and live happily on. With regard to the stress of debt, he does not think end. This tension goes on and on, exhausting human and immersing in full hopelessness.

Kelly McGonigal, a psychologist at Stanford University, argues that the debt is not only spoil the overall tone and mood, but also hit the health. Experiences and stress combined with a feeling of hopelessness arising from the fact that a person can not change the situation, at least right now. Studies confirm the harm to health: the people who have taken out a mortgage housing, often go to the doctor.

TV series about gangsters, just dial loans... loves our people. Vasya Oblomov

However, according to FOM sociologists, in 2013 29% of Russians have outstanding credit. This number over time has only increased. One, two or three long, a lot of credit. Each person at risk seduced by the new technique, beautiful clothes or other things, without which it is possible to do.

When the joy of buying disappears, come with harsh everyday payments and the approaching hopelessness. Maybe five simple tips will help you to take another look at the finances and prioritize so that was not necessary spend their health on useless things.

1. Put the money on the spot. At the right place

David Krueger, a financial coach and former psychiatrist who worked in Houston, Texas, says that people often use finances as a means of self-affirmation. "We attach great importance to money and make them synonymous with opportunities, the epitome of power and prove that we stand for something in this life," - said Kruger.

Think about what the symbol values ​​become money for you. Just ask yourself these questions:

1. "Why is my image are important the most expensive, branded items?".
2. "Why is money to me so valuable that I sacrifice them for the sake of your health?".

Giving honest answers, write them down. This will help you to take another look at the money, and the correct attitude to problem solving - one step.

2. The loan - the illusion of freedom

One recent study showed that most people are borrowing to feel stronger and freer. Having spent all the money from credit cardYou feel the release, if the limit is increased. The same sensations you experience, occupying the next few thousand. And it does not matter, that the sum of your debts become simply astronomical.

It is a question of short-term perception. You know that you have to give, but now you have more opportunities. Remember, this is just an illusion that will soon be destroyed. This understanding will help to spend the money borrowed from the bank, more efficiently or do not take the credit.

3. Bleed "self-control muscle"

Baumeystey Roy, a social psychologist at the University of Florida, studied the mechanisms of self-control. The results showed that the stock of human willpower is limited. In other words, by directing its efforts on one thing, you do not leave resources for more.

But it is possible to draw their attention on finances. Every day, watch your expenses, write down the totals check and plan more efficiently. This will help you to direct the efforts of the "self-control muscle" in the direction of Finance.

4. Do not go to the store when you feel depressed

Studies show that people often make expensive purchases on credit to maintain self-esteem. When there is dissatisfaction, require drastic measures. Not so important, which is suffering from ego chastised boss on TV once again showed "how to live to be worthy of" ...

Niro Sivanatan, author of the study, believes that by buying products with a high price, people like to present themselves in a positive way and start to feel whole and filled.

The very process of acquiring expensive things creates a feeling of comfort.

But scientists have found a cure for addiction. When buyers focused on something else, and remember that is of paramount importance to them (family, health, relationships with friends), their race for status-goods stopped.

Before you buy an expensive thing, you can stop and appreciate why it is needed: for comfort, beauty and comfort, or to satisfy your ego uschemlonnogo? Furthermore, the purchase does not raise self-esteem and mood for a long time, on the contrary, the joy of it will take place very soon, Leaving only the new debt.

5. Beware of the effect of "What the hell ?!"

This effect was discovered by researchers at the University of Toronto (Canada). Initially he touched diets. It turned out that people sitting on a diet, tend to fall apart at the slightest guilt of non-compliance with diet.

That is, a person eats slightly more starts to blame himself and says, "What the hell?! I already blew it. " After that it absorbs even more food. The effect of such a law is not only diet but also with any activity in which you want the manifestation of willpower. For example, when a person quits smoking, tying with alcohol or wants to stop wasting money on unnecessary luxury items.

Guilt born of stress. Man need to calm down, and he will do it the usual way (as a rule, with the help of what he wants to quit).

With debts it works fine. A man in debt, his stress, which can be removed with the help of a new loan. The illusion of freedom and the joy of buying, short-term comfort and stress again. A vicious circle that can destroy only an estimate of their emotions. Porefleksiruyte the next time when you go to take the credit. This will help you cope with feelings of guilt and stress.