Late post, I wrote this two weeks ago but something happened and I only get to post today.
Last night as I was on my way to the store to get ONE supply I was constantly reminding myself “Funke you need only one thing from that store, one thing only”. It’s funny that I always do this drill before I enter any store whenever I am paying with my card and I constantly loose the fight except tonight. Now while in there I overheard another customer saying the charge on her ATM surprises her when she gets home as she is totally oblivious she has spent that much. I laughed because this is the total story of my life.
For example I get in there hoping to buy bread for breakfast then I pick shampoo (I still have some), I buy some random essential oil (I would only use it for 4 days judiciously and forget all about it till a pimple appears), I would buy noodles and eggs and soft drinks and kilishi and all other stupid things I know I don’t need but I am just being “card Happy”.
Usually it’s easier to pay with your card at cash points but it gives access to a lot of reckless spending. The simple logic is you know you can’t run out of cash there’s always that other important money for upkeep in your account you are not supposed to spend but then you can spend it. Anyways, I would like to spell out three simple tricks to help you stop this habit. I succeeded twice yesterday and I hope every time I remember I wrote this I can curb my unnecessary spending especially since I am broke.
# Always share your funds between accounts, one with easy access to the credit card and another/others for savings and apportioning purposes. This way when you are going shopping simply forward the right amount you need into the ATM card account you are shopping with. You can start with a little excess of maybe a thousand above your budget till you are stronger at this.
# Make a list of things you need every month, at least the things you remember. Of course I know you might not stick to it judiciously but that is just one step in the right direction. Instead of walking into a groceries store just shopping blindly, your list guides you to the important things and with time you ignore the things non-existent on your list.
# Lastly, the most foolproof way to curb your spending is withdrawing cash enough to get the things you need maybe with just minimal change. Walk into that store strong and determined with only your cash (leave the tempting card at home) and watch your spending reduce drastically.
Well well, that’s all for now. Do have a great week ahead and remember to follow the tips up there.xoxoxxxxxooo