‘The Overspender’s Dilemma’ by Michael Newman
Michael Newman’s latest ‘e-Wealth Daily’ article is titled “The Overspender’s Dilemma”. [‘e-Wealth Daily’ Article]
Michael Newman’s latest ‘e-Wealth Daily’ article:
The Overspender’s Dilemma
Have you ever been standing in front of the cashier at the grocery store when they look at you and say the total? Sometimes, it’s like it hits you in slow motion, as they utter a number so high that you can’t believe it’s correct. They hand you the receipt, and they’re dead on with their number. All you can do is sit there and scratch your head, wondering where things got out of control.
This happens to everyone. You run out to the grocery store, shopping mall or department store to pick up a couple of things, and the next thing you know you’re carrying bags upon bags of merchandise out to your car with a long, expensive bill clenched between your teeth.
How does this happen? Well, there are a couple of reasons why we overspend unknowingly. First off, when’s the last time you walked through a store and there wasn’t some kind of special going on? Either there was a two-for-one deal, something was on sale, or there was a “clearance” rack featuring some newer items. No matter what it is, these offers, which occur regularly, are often perceived to be limited, even though they really aren’t. Controlling ourselves and knowing that these deals pop up all the time can help to reduce those impulse buys that drive up a bill.
Next, it’s good to have a plan when you enter an environment where you’ll be doing some spending. This means that, before you head out to pick up the items you really need, make a list of exactly what you intend to buy and, more importantly, stick to it. If you know exactly what you need, you won’t be hit with any surprises when the bill is tabulated, and you surely won’t find yourself as cash-strapped at the end of the week.
Planning your expenses and realizing that sales aren’t going anywhere can greatly help to reduce your unexpected expenses, and put you on the path to a debt-free existence.
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