shopaholic http://www.wisebread.com/taxonomy/term/10090/all en-US 6 Ways to Resist a Splurge http://www.wisebread.com/6-ways-to-resist-a-splurge <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-resist-a-splurge" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000075600861_Large.jpg" alt="Woman learning how to resist a splurge" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you went into debt buying gifts for the holidays, the time has come to pay that money back. What's more insidious than that, is the fact that most of us get used to spending over the holidays. We buy special gifts, special meals, special tickets, and more. But come January, most of us need to stop these splurges. We can't live that way all the time, or we will run out of money to pay the bills and buy what we need.</p> <p>It's hard, though, to see what we want and not buy it, especially when we've become lax with our self-control in that area. Here are some ideas to help you turn your spending around, and ultimately resist the urge to splurge.</p> <h2>1. Understand Your Feelings</h2> <p>Many of us overspend when something negative is going on in our lives. We want the instant gratification that comes with having something new because something else isn't working. Rather than making the purchase, we can stop and focus on what is making us feel bad, work that out, and then we won't need to buy anything in order to feel better.</p> <p>If you can't make yourself stop and think about your feelings <em>after </em>you've felt the urge to splurge, try sitting down and identifying the types of feelings that make you want to spend. Think over past splurges and see if something else was causing you the stress that buying something alleviated. Put some serious energy into this exercise, and you'll be better prepared to resist temptation the next time it rears its head.</p> <h2>2. Consider the Context</h2> <p>Before you make a spontaneous purchase, force yourself to consider the entire financial context in which you're making the purchase. If you buy this thing that you want, will you be able to pay your bills this month? Will it cause you to go into debt? Will it keep you from reaching your overall financial goals?</p> <p>Often, considering the cumulative effects that a purchase can have will help you stave off the spending spree. When you see the ways that spending now could impact you negatively later, it's a lot easier to walk away without putting your money down.</p> <h2>3. Think About Anything Else</h2> <p>Sometimes, we splurge because we can't stop thinking about something we saw, wanted, and almost bought. After you make yourself walk away initially, think about something else. Go back to work, call a friend, make plans for the weekend &mdash; whatever! Just get your mind off of whatever it was you considered spending your money on.</p> <p>If this is hard for you, make a deal with a friend that you'll help each other. When one of you wants to buy something, you can call or text the other and know that there's someone to help you redirect your thoughts. That way, you won't be alone in your quest to avoid the splurge.</p> <h2>4. Calm Yourself Down</h2> <p>Buying something often makes us feel better because it stimulates us. We get excited. Unfortunately, we don't always make the best decisions when we are following our excitement.</p> <p>If you're in the middle of the store or out with friends, try taking a few deep breaths. If you can escape to a bathroom &mdash; even better. Close your eyes and breathe in for a count of four, hold for a count of four, breathe out for a count of four, and leave your lungs empty for a count of four. Do this several times and you will find your mind clearer. You'll probably make a better decision about what to buy, too. (See also: <a href="http://www.wisebread.com/5-things-yoga-can-teach-you-about-money?ref=seealso">5 Things Yoga Can Teach You About Money</a>)</p> <h2>5. Wait Before You Buy</h2> <p>Make an agreement with yourself, before you buy another thing, that you have to wait a certain amount of time before you spend money impulsively. This might be 24 hours, two days, or even a week. The point is that you give yourself time to consider your purchase, decide how it fits into your budget, and deal with your feelings before any money leaves your wallet.</p> <p>Some people only do this with purchases over a certain amount of money. For instance, you may decide that it is the purchases over $50 that are really hurting you. In that case, you can decide that you have to wait a week before you spend anything over that amount. It helps to have someone to keep you accountable here, so you don't override the decision on a whim.</p> <h2>6. List the Things You Want (Rather Than Buying Them)</h2> <p>When you want to buy something, add it to a list of wants, rather than making the purchase now. Sometimes, this satisfies the urge entirely. And even if it doesn't, it often settles the feeling that you have to buy it now or you will never find/see/encounter it again. If you're buying online, save a picture of the item and a link somewhere. If you're in a store, snap a photo of the item and another of the price and store those.</p> <p>This can sound crazy, but it definitely works. I have a friend who &quot;fake buys&quot; things all the time, and another who keeps a Pinterest board of all the stuff she'd like to get. Capturing an item in this way can satisfy the urge to possess something, without spending all of your money on actually getting it.</p> <p><em>How do you stave off a splurge? Would you recommend your methods to others?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-ways-to-resist-a-splurge">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-americans-spent-their-money-in-the-1950s">This Is How Americans Spent Their Money in the 1950s</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-and-fun-things-you-could-do-if-you-paid-less-rent">8 Smart and Fun Things You Could Do if You Paid Less Rent</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-great-things-to-do-with-50">50 Great Things to Do With $50</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/regifting-a-simple-how-to-guide">Regifting: A Simple How-To Guide</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/oprah-asks-a-great-question-what-can-you-live-without">Oprah Asks A Great Question; What Can You Live Without?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping broke budget shopaholic shopping spree Spending Money Splurge Mon, 25 Jan 2016 10:00:03 +0000 Sarah Winfrey 1642989 at http://www.wisebread.com Best Money Tips: Signs You May Be a Shopaholic http://www.wisebread.com/best-money-tips-signs-you-may-be-a-shopaholic <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-signs-you-may-be-a-shopaholic" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3714345132_f89a919f9a_z.jpg" alt="shopping bags" title="shopping bags" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on signs you may be a shopaholic, making your life easier by snapping a photo, and planning for worst-case scenarios.</p> <h2>Top 5 Articles</h2> <p><a href="http://genxfinance.com/signs-you-may-be-a-shopaholic-and-6-things-you-can-do-to-change-it/">Signs You May Be A Shopaholic And 6 Things You Can Do To Change It</a> &mdash; To stop being a shopaholic, cancel your credit cards. [Generation X Finance]</p> <p><a href="http://www.savvysugar.com/Easy-Way-Remember-Things-28396378">Make Your Life Easier Just by Snapping a Photo</a> &mdash; Are you afraid you are going to forget where you parked? Take a picture so you can remember! [PopSugar Smart Living]</p> <p><a href="http://www.getrichslowly.org/blog/2013/03/05/how-to-plan-for-a-worst-case-scenario/">How to plan for a worst-case scenario</a> &mdash; Weather a financial storm by tapping into your network and developing an income-producing side hobby. [Get Rich Slowly]</p> <p><a href="http://www.freemoneyfinance.com/2013/03/biggest-challenges-to-retirement-part-1.html">Biggest Challenges to Retirement, Part 1</a> &mdash; Social security and taxes are a couple of the biggest challenges to retirement. [Free Money Finance]</p> <p><a href="http://www.carefulcents.com/how-to-use-a-penny-to-travel-the-world/">How to Use a Penny to Travel the World</a> &mdash; If you want to travel the world, start with just a single penny in your travel fund. [Careful Cents]</p> <h2>Other Essential Reading</h2> <p><a href="http://beingfrugal.net/are-you-asking-for-an-irs-audit/">Are You Asking for an IRS Audit?</a> &mdash; You may be asking for an IRS audit if you regularly claim business losses. [BeingFrugal.net]</p> <p><a href="http://www.threethriftyguys.com/2013/03/5-things-in-preparation-for-a-raise/">5 Things You Should Have Together Before You Ask for a Raise</a> &mdash; Before you ask for a raise, create a money saved sheet. [Three Thrifty Guys]</p> <p><a href="http://wealthyturtle.com/the-minimalist-guide-to-car-detailing-leave-the-pros-out-of-it/">The Minimalist Guide To Car Detailing: Leave The Pros Out of It</a> &mdash; When detailing your car on your own, use a non-acid based cleaner on the wheels. [Wealthy Turtle]</p> <p><a href="http://www.fivecentnickel.com/2013/03/07/small-business-passion-matters/">Small Business: Passion Matters</a> &mdash; Sometimes in business, love matters more than pedigree. [Five Cent Nickel]</p> <p><a href="http://parentingsquad.com/6-tips-to-a-happy-life-with-your-new-pet">6 Tips to a Happy Life With Your New Pet</a> &mdash; Being pro-active with pet care can help you live a happy life with your new pet. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-signs-you-may-be-a-shopaholic">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stampede-death-walmart-black-friday">How many human lives is a flat panel TV worth?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-americans-spent-their-money-in-the-1950s">This Is How Americans Spent Their Money in the 1950s</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/19-things-you-can-buy-that-make-the-world-a-better-place">19 Things You Can Buy That Make the World a Better Place</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-resist-a-splurge">6 Ways to Resist a Splurge</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips shopaholic shopping Fri, 08 Mar 2013 11:00:30 +0000 Ashley Jacobs 969795 at http://www.wisebread.com How many human lives is a flat panel TV worth? http://www.wisebread.com/stampede-death-walmart-black-friday <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/stampede-death-walmart-black-friday" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/death_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>I think that the iPhone is a neato gadget. I couldn't believe that people stood in line for them. The final Star Wars movie was decent - I waited for the DVD. Some people camped outside the damn theater.</p> <p>There are very few things that are important enough, to me, to stand in line to purchase. This is partly because I don't like people, and thus try to avoid milling among them for any amount of time. This is also because there's just no purchasable item that I find worth my time. It's also, partly, a product of my upbringing. My mother is simply not much of a bargain shopper, and certainly never waited outside of a store for more than a few minutes (nevermind hours) in order to get inside and snatch up the first discounted television set that she saw.</p> <p>This is why I am so completely baffled that a 270 pound man was trampled to death by rabid shopopers at a Wal-mart in Long Island this past Friday.</p> <p>Now, stampedes happen. Whenever people desperately flee to a new area and arrive at a bottleneck of somekind, someone is going to get hurt. You hear about it occasionally on the news: pligrims trampled in Ramadan pilgrimage. Nigerians tramped in riot. These are stampedes that make a tiny bit more sense in m brain: religious pilgrimages are emotional events, involving lots of activity and numerous people. While I am not religious, I can see why this might happen in, say, Mecca. Or in a poor country where people are scrounging for food.</p> <p>But this happened in Long Island. In the USA. Over Walmart merchandise.</p> <p>Let me repeat this: a man was trampled to death.&nbsp;A temporary employee of Wal-mart, <a href="http://www.nytimes.com/2008/11/30/nyregion/30walmart.html">Jdimytai Damour</a>, was crushed under the feet of shoppers eager to get their hands on cheap. Chinese-made goods. Shopper literally broke down the glass doors to the Wal-mart where Damour was working, and he remained under the door as hundreds of people clambored over the top of him. Imagine stepping over a man lying prone beneath a sheet of glass. Can you fathom that?&nbsp;Could you? For what? What could possibly allow human beings to behave like homicidal lemmings.</p> <p>I don't doubt that many people shop at Wal-mart in order to save money, but I seriously doubt that this insane mob of people consisted mostly of suburban mothers looking for jumbo-sized diaper packs. No, these were people looking for slashed prices on electronics, outdoor gear, and clothing. These were bargain shoppers, for sure, but no one who stepped on Damour's chest was there because they had run out of bread and heating oil.</p> <p>What have we come to? Is 20% off of a LCD television really worth the life of a man like Damour? Is it worth anything? How can anyone stand in line for this stuff? Wal-mart, really? Listen, I know I can be an elitist sometimes, but I&nbsp;occasionally shop at Walmart. But regardless of how good the deals are, how could any, or all, of the merchadise inside a Wal-mart be worth the life of a single person?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/stampede-death-walmart-black-friday">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/for-the-best-deals-of-the-year-shop-labor-day-and-skip-black-friday">For the Best Deals of the Year, Shop Labor Day and Skip Black Friday</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-best-discount-shopping-days-of-the-year">7 Best Discount Shopping Days of the Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-major-retailers-that-give-employees-time-off-for-thanksgiving">25 Major Retailers That Give Employees Time Off for Thanksgiving</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-score-a-black-friday-deal-without-leaving-home">6 Ways to Score a Black Friday Deal Without Leaving Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/even-more-black-friday-savings-tips-from-shopping-experts">Even More Black Friday Savings Tips From Shopping Experts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping black friday consumerism death Jdimytai Damour sales shopaholic shopping stampede Thanksgiving trampled Wal-Mart Sun, 30 Nov 2008 11:20:11 +0000 Andrea Karim 2612 at http://www.wisebread.com