Over spending ! Credit card debts ! Not enough for my car loan, my house loan, my insurance premium, my parents, my rental, utilities,……

For girls, we have to look good all the time. Make ups, designer handbags, facials, fragrance, heels, clothes, and accessories, these are life and death favorite a lady would truely understand.

For gentlemen, they have to look 101% good too. Manicure, pedicure, hair styling, and facials are not the ladies’ item now. They spend on cars, watches, body building, holidays, we call it lifetyle.

We all need to shop, it;s irresistible, it’s important, it’s genetic, and before we realise it, we are already broke. There are reason for all these, the culprit is the dopamine. A chemical from the brain that trigger plessure in us. We always claimed that spending make us feel happy, it’s no longer true. The fact is that the process of shopping itself that trigger the release of dopamine.

In this financial crisis, it is important not to shop with your heart. I personally feel that there are few incidents that will encourage us spending more. No harm spending more for the necessity, but what i’m emphasizing here is spending excessively on something which we don’t need at all.

** Try to plan before shopping especially in new places as it is always more thrilling exploring new places. That is why we tend to spend more in new outlets and while travelling.

** Believe it or not  ?   We will tend to spend more if we shop with a friend as peers can increase the urge to purchase. We are encourage to form better image with the presence of other people, thus, we are willing to pay more for the satisfaction.

** The longer i wonder in the mall, the more things we will end up buying. Sometimes, we buy something of no use at all just because it’s weird to go home empty handed.

** This sound ridiculous but it’s always true. The more we interact with the sales person, the higher chances that we will end up buying something.

** Once using it, we’ll be hooked. Research indicates that we are more likely to purchase that particular thing after trying it. That is why sampling is such a common practice.

Shopping is really exciting but paying the credit bills later can be devastating. Convince ourselves with rational reasons of buying and buy understanding how our brain works as well as how marketers make use of this little secret, can help us to avoid over spending.