Bad financial habits and how to deal with them

You do not follow the tariffs

Calls abroad, games and 12 GB of Internet - do you really need all this? Inattention to cellular and mobile internet tariffs can cost you a penny. Keep an eye on the tariff plans to which your mobile devices are connected, it is possible that part of your funds is spent irrationally. As a last resort, you can change the operator. At the same time, there is a chance that the old operator will offer you more favorable payment terms as soon as he realizes that you are going to say goodbye to him.

You do not have payment discipline

Did you receive a reminder from the mobile operator that the money for the monthly tariff will be deducted tomorrow? "And then I'll throw the money away." I forgot - and in the morning you get extra lost money. Sometimes it seems that nothing bad will happen if you pay the bills or debts a day or two later, but if you do not meet the payment deadlines, there are fines and other sanctions that increase costs. Make a payment calendar or use the useful service "Autopayment", which is now offered by all banks, so that you do not forget about any bill or receipt.

You get into the credit limit

The credit limit is not your source of income, but only the illusion that you have extra money that can be spent. In addition, debts on the limit must be repaid monthly, so as not to face the payment of interest for using the account. If you treat the credit limit as if it were your personal money, you may want to give it up altogether. Try it: it may turn out that this loan is not so necessary, but you will always be sure that you are spending only your own money, not the bank's money.

You buy the cheapest

The miser not only pays twice, but also constantly repairs something, waits for shares and spends a lot of time on sales. As a result, they still remain dissatisfied and use poor quality. Good things can rarely be found for free. So you should not save on reusable goods: appliances, shoes, medicines and even household chemicals - all this should not be the cheapest. Think of shopping as an investment in your own time, comfort and health.

You buy clothes that do not fit with other items of clothing

Wearing uncomfortable boots only once, a trendy bag or skinny ones with a silly inscription, which fall to the dust in the closet, destroy your budget. Especially if buying clothes that do not fit the rest of the wardrobe has become commonplace. It is necessary to soberly estimate the financial possibilities and to form a wardrobe so that all things were combined among themselves, and from clothes it was possible to make from various sets.

You buy things to cheer yourself up

According to a survey by Slickdeals, American consumers make at least three unplanned purchases a week, and this seriously affects their budget. Mood shopping is a really bad financial habit. First, you run the risk of buying unnecessary things. And even if they were relatively inexpensive, by the end of the year you will spend a significant amount. Second, impulsive purchases may indicate an attempt to solve their internal psychological problems through shopping. Listen to yourself and answer the question: do you really need these things or do you just want to finally get rid of the accumulated stress, occupy yourself with something or reward yourself? Pleasures can be absolutely free: a walk with friends, a picnic with family or exercise lifts the mood no worse than shopping. And for the wallet it is definitely safer.

You do not follow subscriptions

Of course, quality content should be paid, so subscriptions to music and movies are usually expensive. However, sometimes the owner of the device does not even guess that he is signed up for a paid service. If you notice that the same amount is regularly deducted from the card, and you do not even know why, this is a reason to check your subscriptions. If you still want to watch movies and listen to non-pirated music, offer your friends to subscribe to a family package or opt for legal online cinemas and music aggregators - these services are completely free, but you will probably have to watch a lot of advertising.

You are not planning a vacation

An unplanned trip can hit hard on your pocket, as ticket prices and hotel rooms are significantly higher during the season due to high demand. At the same time, not only the season affects the price of the flight - in the case of airlines, even the day of the week and the time of the flight are important. Take care of your vacation in advance - optimally 2-3 months before departure, in order to have time to choose the best, not what is left, and ensure a comfortable trip at a reasonable price. Also, the advantage of planning is that before the start of the holiday you will have the opportunity to solve important household tasks, so that after returning to work processes, you do not immediately overload yourself with their volume and pace.

You have one source of income

Many people believe that work should be one. But this is just a stereotype. It is worth striving to have several sources of income. Especially since today it is easy thanks to online services and exchanges, where you can create a profile and provide services, collect feedback and get new customers. Even a small permanent source of income, in addition to the main job, will help achieve financial security and reduce stress.

You don't have a "financial cushion"

Usually people pay current bills, completely forgetting about the need to save money for future expenses and unforeseen life situations. Such savings are necessary, because when sudden costs are caught unawares, all plans fly by. Make it a habit to save money. You can use the service of automatic transfer of money to a personal deposit account offered by banks. Deductions can be fixed or as a percentage of income.

Change your bad habits, spend wisely and become financially literate. Money is just one of many tools for achieving goals. But you can not think about them only if you learn to dispose of them.