Tuesday, January 25, 2011

Tips to control compulsive shopping habits among university students.

There are some tips to control compulsive shopping habits among university students. At the same time would help  them to overcome their addiction.. Lets check it out guys!
      1. Pay for purchases by cash, check or debit card.

Firstly, when we pay for purchases by cash, check or debit card, we can avoid to overspending our money because we just buy things based from amount of money that contain in our debit card. If we overspending our money, our debit card automatically cannot be used or rejected. Differently when we used credit card, amount of money we can spend is unlimited. After that,  the end of  month we will suffering to pay all debt because debt can go beyond the ability to pay bills on time. As a suggestion from Agensi Kaunseling & Pengurusan Kredit or AKPK, we must limit the number of credit cards to just two.

2. Make a shopping list.

Secondly, make a list before shopping will help us to ensure that we do not buy unnecessary items. As we know when we go at shopping complex, we are tend to buy unnecessary items because there are many promotion and discounts to attract customer to spend a lot of money to the things that actually not important at all to them especially student usually attracted to that kind of bussiness strategy. In addition, students must spend their money for basic needs and beneficial items such as books that related to their course, stationery and food. Futhermore, students usually don’t have a lot of money as working person. So it is very important for students to manage their money wisely. Think three and ten times before we decide to spend our money more than our limits.

3Keep accurate records of our spending.

Thirdly, after we go back from shopping, make sure we keep all bills and take a records of our spending that day. So that we can manage our financial status either still under control or we already buy things that unnecessary . Very important for us to alert and keep accurate records after spending our money when shopping because if we overspending, we can avoid to buy things that unnecessary in future. However, we can be more careful and spend our money wisely in order to avoid debts.

4Pick up new hobby.

Forthly, to overcoming compulsive shopping habits, we as student must pick up new hobby such as reading motivation books, take a walk or exercise when the urge to shop comes. We also can spend more time with family in order to not thinking to much feeling to go for window shopping. We must always remember not easy to gain money but so easy to spend it without limit.And if we have choice, avoid to go shopping alone and find friends who can helps us by giving advice by moment we want to spend our money to unnecessary things. We must know to differentiate things that necessary or unnecessary because when we have financial problems we tend to borrow money from unlicensed money lenders such as Ah Long. This kind of situation do not solve problems but make problems become worst. So in conclusion, think wisely before we make decision to spend our money and make sure our shopping habit do not cause harm to us in future.



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