SHOPPING!

"To go or not ... ... That is the question!"

How many times this question has crossed our minds? Almost every time we spend money, is not it? Have a nice day passed without us spending a single penny? Unlikely! The question is not whether I go or not, but as the content, we accept our spending habits. Here are some smart spending habits to adopt in order to financially sound.

Spend to budget

There is a proverb that says, Malay, Ukuri baju sendiri di Badan we measure "our clothes on our shoulders. That's like saying, we ought to spend our budget. We have already reported on the issue of tax administration in the previous article, and repeating: Budgeting is really a plan for us without spending later, a guilty conscience. What is important here is that we have a plan "expenditure" in the first place. Without them, we will very likely be spending on impulse or what is commonly referred to as the impulse. We can not entirely avoid impulse buying and it is not wrong. There were times when we can not resist the aroma from the cup of cappuccino or a pair of shoes or handbag is for sale! And even if it is more the rule than the exception, we have our spending habits on their guard.

When preparing your spending plan, you must also learn to anticipate your needs. For example, if we make progress on new clothes for the holiday season, get it earlier in the Mega Sale or whenever a bargain comes our way (for example) at a sale of the closure of storage or sale. If we want a roof every time it starts to buy rain, we have not only end up with too many umbrellas May, but have to pay a premium for it. It is also advisable to budget for unexpected expenses such as angpows wedding, car repair, home repair, etc. These elements, if not set, can throw us off-budget!

Compare prices

Should we get used to buy for the comparison of prices before you buy something or just us? Some of us can say that the time and cost of shopping before you buy a bottle of oil or not a tube of toothpaste May is worth it. True and that is why we have to be a smart consumer - we must plan our purchases and a copy of the prices of the products. Here we could do our own "price book" to a decline in the prices of the items we regularly buy and exactly where and when we get the best deal ever!

For example, if store A has the lowest prices for most items in our shopping list during the week, then we should plan our food shopping during the week there. However, if Store B has the best deal at the weekend and we are free weekend, we should be there instead. The fact is - a shopping list, book a price and stick to it. In fact, we can continue this process a fun family activity to help our children get to hold a poll on "price" every time they go shopping. Each family member can see each other then who will find the best deal in town! This would not only help us to compare prices, but also teach our children the value of money.

Branded Stuff

What's in a Name? Each year in May, and it will be worth more than the product itself and as consumers, we tend to brands that we trust the most to buy. What is all well and good, but if you end up buying things we can not afford it or not, it becomes a problem. Some of us buy things brand, because we discussed the ideas and emotional appeal through advertising created themselves, and not affected, because we need it. As intelligent consumers, we sometimes have to look and ask about the brand: "Do I really need?", "It is really worth so much?" And "Can I really afford?" Do not make purchases on the pictures or all at once, what your friends, but to your needs and benefits of the product.

Buy Used Items

The thought of buying used items can save some people, but this is a great way to stretch your ringgit. The biggest advantage here is to take the first buyer to the initial impairment of the product which is usually the largest. Take for example the purchase of a new car. Do not suffer in most cases, the owner of the new car 10-20% depreciation in the value of his new car when he drove him out of the showroom! If he sells after 3 years, it can be used for two thirds of the original purchase price to sell if he is lucky! Imagine if you had bought it ... It's like a rebate. Yes, you may not get that "new smell" of a car, but it's really important? It may be worthwhile to be a victim as long as the car well maintained, not robust and strong non-reduced, right?

To buy another good example of products that we do not want new products for babies, including clothing and toys. Some of us may recoil at the idea, but it is not unusual. Baby clothes are not cheap, and carry your baby gets, the more likely very quickly for some time that the baby goes through the clothing. Ideally, we could get the hand-me-downs for free by dropping a hint here and there. Otherwise, you can either borrow or buy second-hand from parents that they no longer need the most.

Purchase of used items can also add new products are sold at a fraction of their original price because of defects in products, factory overruns and disposal of old stocks. If you are a celebrity or public figure is is very important, you need not identified in the latest fashions or new model cell phones, watches, etc. If that does not bother us or slight imperfections, it is an older model, there are limits take opportunities to make a good deal. There are many places to purchase these products, including stock sales, factory, flea markets, junk shops and flea markets. The negotiation process can be very funny and you will surely sharpen your negotiating skills at the time!

The sleep test

Shopping can be addictive and is never easy to resist. We all know the symptoms of insect bites when buying ... We feel the adrenalin rush that makes our heart's desire after, then it goes to our head and we begin to rationalize about them. We say that because we worked so hard to earn, we really are, and want us to reward this one time! He finally solves the hands reach into our pockets and let the "Plastic Card -" Charge It!

Our will can be strong, but our flesh is weak! Finally, we are only human, right? However, it is an effective way of contrast, by "they sleep." This is especially useful for expensive items, like buying a new car, change the old furniture, renovation of our house, buy that plasma / LCD TV or home theater system or any other thing we check. Before we participate in these articles, sleep and see it closer to our budget to see if the purchase fits into your current plan. Discuss with your partner or your family, and what time you need to carefully consider both, because the money is gone, is gone!

Remember: If your next purchase, ask yourself the following questions: "Do I really need?", "It's in my budget?" "Is this the best deal?" "Can I find a brand, cheaper with the same value?" "Can I place a second hand thing?"

A wise consumer and prudent financial management "Let's Make A Way of Life" today!