It is almost the New Year, and it is important to maintain physical and mental health and good financial conditions. GOBankingRates' comprehensive experts said that if you want to look at tight purses, these 5 consumption habits need to be changed:
1. Spend too much money on holidays.Don't think that Black Friday and Internet Monday are all cheaper, Erika Kullberg, founder of Erika.com, said you might be cheated by these short-term promotions and spend more than you plan.
She advises everyone not to take out their credit card when they see good prices, unless you have been looking forward to something that suits your budget for a long time. "Enjoy yourself well."
2. The gift is too generous.Many people don't blame me for the gifts. Why is the Christmas holiday a good time to develop a generous and communist spirit? However, you must first think about the weight of your purse.
Carberg said that it is great to send gifts generously, but sometimes you will get hurt your purse, "I will not give gifts myself. Not everyone you know needs gifts - the hostess doesn't have to give gifts. There is no need to buy gifts."
3. Too relies on credit cards.Yes, when buying "big" products with credit cards, or even swiping cards during the annual calendar, there are relatively large cash returns, which can also ensure the quality of the product. However, Carlberg believes that no matter how good the belt is, it will not exceed your burdens. "If you don't have cash, don't swipe your card in order to make a point, the interest expense will soon exceed the cash you get."
4. Don't plan your financial goals.Slow down and take a deep breath. Christina, Experian Consumer Education and Rights Manager Roman) has a good suggestion: "Don't start from a small place, divide the plan to realize the overall goal into several easier-to-manage sections to execute, and gradually realize it." "It sounds a bit old-fashioned, but the best way to reduce financial concerns is nothing more than setting the overall goal and determining the gradual route map." Consumers doing this have a sense of mind and understand that they will eventually achieve the goal, which can save the anxiety along the way.
5. Don't evaluate your own financesIf you say, at first glance, this seems to be a huge project, "But if consumers can accurately grasp their financial situation, they can make wise decisions." "So, it is very important to take time to review their financial accounts and figure out How much money comes in and out every month, the debts must be calculated more clearly. ”
These five common five problems, if you change them, your money-consuming habits will not go wrong. The wallet can be safe. In the new year, it will be easier to develop without shortage of money and not owing money, which will improve your physical and mental health!
Responsible editor: Gu Zihuan