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People may experience in relation to money as love and hatred. On the one hand, it is possible to love money, as they allow you to shop and get the emotions associated with these purchases. With another when the deficiency or lack of may feel that they are in control of our lives and we are their slaves. Analyze when adequate attitude towards money develops into painful.
You do not want to spend money
There is a concept of savings, and there is significant discomfort from the natural everyday spending. In Russia strong enough psychology, "survival", when people buy only the most necessary and think fun something unacceptable or even shameful. For example, you're standing at the checkout in the supermarket, look at the total amount on the check and feel ashamed if the amount exceeds, for example, a thousand or five thousand rubles. Mind you understand that you bought only necessary, but otherwise never goes away. Or do you sit with friends at the bar and instead enjoy the evening, and scolded myself for not staying at home for reasons of economy. These feelings are characteristic of even well-earning people and can poison the life.
You pull with payments for utilities and replenish the account of mobile only when you locked him in. In the end, on the desktop accumulates a stack of unpaid bills, debt will increase due to the accrual of penalties and you have to pay more than you should, which also makes you uncomfortable.
If you do not pay for housing and utilities for three months, you will receive a notice of impending disconnection of services. After 30 days, it will be executed. To prevent this, think about connecting auto payments or make it a rule to pay bills before the due date.
of Uncontrolled spending
If shopping is the best way to cheer you up, even if this thing you don't need or you gave her last money, it's a reason to sound the alarm. Money is really a good way to buy yourself emotions, but you need to learn how to have fun at no additional cost. There are many free things that give joy — watching your favorite movies, music, meeting friends.
a Lot of credit card debt
a Large amount of consumer debt — an obvious symptom of the problem. If too often people use credit cards to settle accounts, such as payment of utility costs or the purchase of everyday products, it is a dangerous signal about the excessive spending. In this case, you need to reconsider your expenditure. If you own funds only enough to pay minimum payments on credit cards, it is a sign that the person is living beyond its means.
Stop constantly resort to the "help" of credit cards, think card installments. It will come in handy in case of a major but necessary expenditures. For example, when buying a new washing machine is broken. Installment that you the Bank offers, is free. That is, you come into the store, grab a product, pay for, and then extinguish the value of the goods in equal installments over the grace period provided by the store.
while for some, spending money is an effective way of lifting the mood, others just get pleasure from saving and growing their capital. If your Bank account is the first thing you think of in the morning and the last thing I think before sleep, then it's time to sound the alarm. Instead of endlessly increase their savings, should think about their best investment. After all money should work for you, not Vice versa.
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