Three Ways You Can Break Bad Shopping Habits and Keep Money in Your Pocket
There’s nothing like going to the store, taking something you’ve always wanted off the shelf and checking out with it. Shopping is a lot of fun and can be even considered a weekly hobby in the right circumstances. However, there’s a big difference between shopping and needlessly spending money just to spend it. Bad shopping habits can put a serious dent into your finances if you’re not careful. Here are three ways you can break bad shopping habits and keep money in your pocket.
Identify the Trigger
You know how people say they have the urge to splurge? This is brought on by something that triggers this urge.
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If you truly want to change your relationship with money you must be honest about where it stands currently and triggers don’t only stem from wanting something at the store. Bad spending habits as a whole can stem from much deeper issues, like your mood and your overall lifestyle. For example, people who aren’t exactly financially stable may feel like they’re slighted by not being able to buy something without repercussions. Feeling stressed and even depressed can also lead to impulsive shopping.
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Either way, there are many things that trigger the need to spend, so it falls on you to identify what yours is. Doing so brings you one step closer to breaking the habit.
Give Yourself Some Responsibility
In some cases, not having any goals or responsibilities can also lead to impulsive shopping. With nothing looming over you, it’s easy to spend money you don’t need to. A little responsibility, whether it’s paying for bills or a loan payment, can go a very long way. A great way to make yourself more responsible with money is to take out a home equity line of credit.
A home equity line of credit, or HELOC, is a type of loan that lets you take out a set amount of funds based on the available equity of your house, which is used as collateral. It’s essentially the same as borrowing off a credit card.
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To give you an example, imagine you had a credit card of $20,000 and you spent $3,000 of it on a vacation. You’d have to make payments over the course of time, which are typically monthly.
That’s how a HELOC works in a nutshell.
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In order to fully understand a HELOC, be sure to review online guides that explains the process in more detail.
Pay Attention to What You Spend
Contrary to what some may think, bad spending habits doesn’t always mean buying something unnecessary and trivial. It can also mean spending too much on something such as the grocery bill. Sadly, it’s not hard to put a bunch of things in the cart that you think you need. Creating a set and itemized list is a great way to ensure you don’t overspend and you only walk away with what you need. Also, be sure to pay close attention to your bank statements, so you have a rough estimate of your monthly budget.