Become a smart shopper
With increased personal income at disposal and of course things that are easily available, you need to become a smart shopper. The effects of advertising and consumerism have increased to such an extent, that many a times people end up buying things that they don’t even need.
How to make sure that you buy the things that you require and spend less doing that. Well there are certain tips that you can really follow.
How not to go overboard with shopping.
Don’t go shopping when you are really low or in a bad mood. You will use shopping as a retail therapy and buy even the things that you don’t need.
Carry a limited amount of cash. This means that you can buy only as much cash as you have. This will also ensure that you effectively stay within the budget.
We won’t say that don’t carry the credit cards while you are shopping. But resist the urge to charge everything to the card. Remember that at the end of the month, you will still have to make the payments. Junk all credit cards but one. This will ensure that you don’t transfer the balance from one card to the other.