Can’t go to a shop and leave without buying something? Way past your credit limit but that scarf is something you will die without? You bought it off a sale so it’s all right that the boots cost a few hundred dollars? You might not know it just yet, but you just might be a shopaholic! Going shopping is something we women, and some men love and need. Shopping with your girlfriends is the perfect fix for a breakup, bad week at work, catching up on each other’s lives and so many other very valid reasons.
Finding those perfect pair of pants, beautiful shoes one can wear with everything and that stunning dress which will make your sister jealous of you is another level of bliss above the ordinary. However, if you seem to have a tendency of overdoing it, you might have the problem of being a shopaholic. While this might be some of the richer folk can afford, there are the lowly few of us whose monthly earnings cannot cover our needs. Here are a few things you can do when in a tight situation.
Retract, Recover and Attack
If in a situation where there are red bills to be paid and Prada shoes lying around untouched, pull out your closet and really consider what you need and what you can do without. Most of us when we shop, especially at sales, tend to purchase things we never wear or even look at after. Collect all these items, decorative items, accessories, nearly new shoes, vases, untouched kitchen appliances and have a small garage sale. Not only will you be able to recover some of your expenses, you will also be clearing out unwanted clutter from your home. This will also open up a lot of space for future shopping possibilities.
When there is no other option but to turn to alternative methods of financing, consider taking secured payday loans instead of the long term ones as these have lesser interest and as you are liable to pay as soon as your salary is in, the probability of slacking and continuing to spend instead of meeting the loan will be less.
Long Term Plan
Once the problem has been identified, make a plan and ways in which the probability of you spending and falling into the same situation is reduced. Reducing your credit limit and making monthly investments even in a small account or system with friends is a good way to save and a find a company that provide fast credit decisions. However, most importantly, you need to make a conscious decision not to shop unnecessarily or lose track of what you buy.