♥♥Just about what I have gone through every day... So it will remind me of my life path up until now... I want to express it with words... My small brain can’t afford to keep it all... The language may 'Campur2' because it’s my diary after all... who will cares anyway??? XD♥♥

♥♥Life not always happen like you have planned.. Everyday there will be surprises happening in your life.. Treasure it.. Appreciate it.. It may not always happen.. And maybe will not happen again..♥♥

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Tuesday, October 12, 2010

6 Habits That Will Make You Broke..

I found this information while surfing the net....
It was really interesting... *LOL*
Because I'm always broke?
and this article will make me more aware the habits that make me go broke?
Okay..I will start the the point.....

We always heard that people complaining that they are broke. The examples of reason that they will give are living expenses(mostly on food, personal needs, top up, etc) , they didn't have income in the first place(this one cannot say anything la~~), they used to spend a lot of money and etc. Some people broke because of internal factors and some of it because of external factors. Habits are internal factor of why people broke. Some of us may not realize it but there are also that people that realize but they didn't care about it. Let us see the 6 habits that will make people broke.

1. Window Shopping

#It can be fun to browse the aisles and see what's out there. We all have our weak spots, like home goods, electronics or clothes -- even if you don't like to go to the mall. You don't even have to leave the house to window shop anymore; those catalogs, the internet and commercials advertising the latest sale can be just as tempting.

>Window shopping is a bad financial habit that takes some discipline to break. Staying away from stores and not requesting catalogs or email updates from your favorite stores is a good place to start. Before buying that latest item you pine for, ask yourself two questions: Do I need it and can I pay cash for it? If your answer is no, walk away.

*(OMG, I really love window shopping! Now I know why I always broke..LOL)*

2. Carrying Lot of Cash

#You know that paying with plastic is bad, but carrying lots of cash can be just as bad a habit. Cash can give you the feeling of having extra -- fun money that's just sitting there.

>Only carry enough cash for what you need, and leave the rest at home. Avoiding plastic is great, but budgeting is just as important when choosing to pay cash. If you like the green, try budgeting your cash with envelopes: one for groceries, one for entertainment, etc.

*(It's normal when you carrying lot of cash isn't it? I Feel so lazy to go to the ATM machine every time I want to use money. These cash are for back up when something urgent to buy.)

3.Saving Your Info with Vendors

#Those online shopping sites are so considerate to save your address and credit card information -- some even have one-click ordering buttons, so you can buy something in just a second. It's very easy, but also very dangerous. Not only does this easy shopping make you broke if you're prone to impulse shopping, it also eliminates the feeling of spending money, since all you do is click.

>Don't allow vendors to store your credit card information. Avoid signing up for emails and catalogs if those tempt you to shop when you really shouldn't. It can be great to know about a sale, but if you didn't need anything, it's just another temptation.

*(Okay, I didn't do online shopping except for my flight tickets. I also didn't have any credit card. Catalogs? I didn't subscribe any. So this kind of habit have nothing to do with my "brokeness"..LOL)

4.Clipping Unneeded Coupon

#We all feel the pinch in this tougher economy, especially when buying groceries. Clipping coupons is downright trendy today -- but is it really such a good habit? Sure, getting 50 cents off that package of cookies or that brand-name detergent is a discount, but you may be surprised to find that your grocery bill isn't really going down despite all your coupon clipping. The truth is that buying generic brands that are just as tasty is often cheaper; coupons can make us buy things even we didn't plan for.

>Start with a grocery list for the week, and then look at your clipped coupons. If you can use one, great, but try supermarket brands too for the best bottom line.

*(This one also not related to my financial problem...:p)

5.Shopping with Your Emotions

#It was a rough week, or a good one, or you want to reward yourself for losing a few pounds, so you go shopping. You earned that new dress, that new gadget, that big pie -- it was on sale, too. Letting your mood dictate your buying decisions is the quickest way to go broke.

>Sober up before shopping. Do you need these items, and can you afford them? Be honest with yourself. Reward yourself by doing something that doesn't cost, like taking a nice bath, or spending time with your loved ones.

*(This one is the main reason why people got broke isn't it?LOL. But I like the solutions! Reward yourself by doing something that doesn't cost. But to be honest, there are nothing free nowadays..XD)

6.Not Planning Ahead

#It's Tuesday, you're tired, and have no idea what you'll make for dinner. A great night for takeout, right? Using data from the BLS, it's estimated that the average family of four spends over $4,000 on eating out -- a very expensive habit that will make you broke in a hurry.

>When you make your grocery list, make a menu for the week at the same time, so you always have ingredients for a meal. If your week is hectic, try cooking on Sunday and freezing meals for the week. Plan for lunches the same way; not only will you save money, you'll eat healthier by avoiding fatty restaurant food.

*(Okay, when I make my grocery list, I didn't plan the menu for the week. Anything that are simple and easy to prepare are the main criteria of the shopping list. Here, grocery list? Its more to the menu I want to eat at the cafe, and sometimes I just walked in and get I what available there that will suite my taste.LOL.)

< this article is cited from 6 Habits That Will Make You Broke>

# the elaboration of the problem
> the suggested solution
*my personal opinion and thought

After finished go through this article, some of it related to me. I do agree that all these habit will cause people broke. Of course there are lot of reasons that people will broke, and these only some of it. Just keep in mind that not all problems can be solved, what we can do is minimize the effects of the issue. I hope that whoever that read this and always complain that they broke for the reason one of the above, try the solution. You will never know until you have tried. :)