“Salary fate of two commas. Each of 25, the salary was in the account. But entry to the date 2 months ahead, was in a coma, because a lot of sale at the end of the month, if not love shopping, “co prank Female Compass. Such conditions are common when you find it difficult to save. How to fix bad habits in managing finances? By “fooling” your consumer lives, the answer. However, you must know the tricks. There were plans before the money into the account that you can do to suppress the desire to shop. The following include:
Stop Trying Hard Savings
Promise yourself that you will become a better person in the savings and will try harder not be enough. Try to come to the bank and asked to be given the knowledge of the automatic transfer of money to save. Research shows that the less effort needs to be done, the more likely for someone to save. A study conducted by the University of Chicago showed that employees who enrolled in retirement savings plans to move some money from savings automatically have followers twice as much. It turned out, went to the bank to save or to an ATM to transfer the savings is a burden for most people.
You can follow term savings program that has had many famous banks. This type will set aside some money to be saved or used in an investment for interest.
Use Cash
The main idea is, you can only use cash, not credit cards. This way, you will spend money more wisely. A study conducted by researchers from MIT found that people are more willing to pay an item or service that costs twice as much if you use a credit card. However, if you must pay with cash, they will reject or seek less expensive. Some researchers call this phenomenon as the effect of Monopoly money. That is, because you do not “play” with cash or a native, spending money there was no consequence. So, simply use a credit card to pay for the purchase of goods or services that are big and really need, do not forget to customize it with the ability to pay installments.
“Mood” A mess? Stay at Home
In one study, researchers from Harvard and Carnegie Mellon confirmed that we tend to spend more money when you’re not in the mood or being sad. In this study, respondents were divided into 2 groups. The first group was asked to watch sad movies about a dying father. The second group, were asked to watch boring documentaries. The first group was willing to buy a drink that cost could reach the 20,000-per glass, while the second group averaged only want to spend money to drink around 5000. So, so you do not spend unnecessary money, should solve problems or mood sad mess at home rather than go bankrupt.