THE DEADLY EFFECT OF OVERSPENDING

Obsession to certain things makes anyone happy but sad. He is happy because he abled to buy one that fascinated him. At the same time, he was sad because it added another credit to his account. His impulsiveness hurt his pocket. He had not given his family they comfort they deserved as he lived in his own extravagance.

He bought something not so important due to his addiction to it. He yearned for sudden gratification to satisfy his cravings to own one. He has no control over his obsession. He got what he wanted. He allowed too much spending to rule and ruin his life. He has no idea the long-term effect it caused to his family as if he has no concern for them. What it concern him is on how to get money from somewhere to respond to his selfish need. It seemed he was not contented in one buy. More buys makes a joy inside him.

This was the problem in modern civilization wherein new technology created many things that fancied us. We wanted to follow the lifestyle of other people with leaving a little for the family. It becomes habitual acts the hardest to control.

Compulsive buying is only good for rich people. They can afford whatever they wanted what their heart desires. They can buy almost everything to satisfy their materialistic behavior.  If those people living in middle of poverty line who insist they can afford, its craziness.  Why allow to be in the verge of hardship when they have the ability to prevent it to happen. It’s just a matter of common sense. 

We should not let our mind to go beyond good reason. There should be openness to measure what is right and not to have a wrong turn. If we don’t have outstanding credit, it might be possible. We are confident and have sense of peace. It will not give us stress to look another meal of the day for the family. It is great relief if everything is in order.

Spending unreasonably is the sum total of deep-rooted uncontrollable emotion that causes us on impulsive buying. It was the source of our trouble. Surrendering to the claw of our wants and needs makes life miserable. There is uncertainty for survival due to overspending. It does more harm than good.

There were other reasons that triggered overspending. In the time of our distress and period of grief we tend to buy unnecessarily to calm down the feeling of loss even for the brief period of time. It also happened if we are on the verge of our outburst to someone in conflict seeking interruption through compulsive buying.

Most often the problem started when you spend more than you able to pay.  Your credit card tempted you to spend more. Your headache starts when it is time to pay especially if you don’t have enough cash in your hands to pay for the purchases not including other outstanding accounts that worry you. You are on the edge of frustration where to go and the person that will save you in your helplessness. You can’t talk straight because of your confusion and anger without realizing you are the one that causes it.

Conflict among husband and wife begins when one of them lied to the condition of their savings. There were disbursements that were not agreed by both. One of them already hooked being a compulsive buyer. Their savings was dwindling without the knowledge of one of them until almost all had been consumed when it was known. The hell broke loose, someone is to blame. Marriage is on the rock, separation is imminent.

If you intend to be one of them, don’t be too shortsighted. You can make your own prevention if you intend to do what is right and honest to yourself. If you follow this tips, you will not regret it instead it give you peace of mind without worries about financial matters:

-Determine the possible triggers that will tempt you to buy unreasonably.

-Share portion of your salary every month as your savings helpful during emergency situation.

-Never rely the use of credit card in all your bigger purchases. You will surely overshoot to your credit limit or your capacity to pay.

-Avoid passing or entering to your favorite store department that will make you wild to make haste buying.

-If you feel the uncontrollable impulse upon seeing your favorite object, stay away from it immediately.

-Bring only cash needed for purchases of the basic commodity items. You can estimate the amount you will bring during shopping based on your grocery list.

-Request someone (child/husband) to accompany you while shopping. This is to disrupt you from deciding by yourself.

-Make grocery list before going to store. Buy only what you listed to prevent picking items not on the list.

-Keep in mind that you have to prioritize your expenses on basic commodities needed at home. The not-so important items should be decided later and should be given much thought of its usefulness before purchasing it.

-If you are heavy stress or angry, calm yourself down slowly in several minutes but not take the option of buying just to ebb away the feeling.

There are still many ways how to control your pleasure of compulsive buying. The only important thing to bear in mind is strict control. If you pass the test then you’ll never be in despair of having no money in your purse.