Yup, at that stage you have been wasting money and wasting time. Why it could happen by you? Maybe you are shopping just follow the mood or emotional. Actually there are many causes of why we buy things that are not important, I called it 10 reasons why people spend money for useless things, namely:

1. Make a purchase because of being in a hurry.
2. The mind that is depressed.
3. Discount / sale.
4. Tempted to use discount vouchers.
5. The goods on-display.
6. Not focused when making a purchase because there are other thoughts.
7. Cornered because of the encouragement of the sales promotion girl / boy.
8. Shopping while longer angry or upset.
9. Are feeling pressured by family members.
10. Buying goods with the intention to make an impression.

That is 10 reasons why people spend money for useless things. We should know this from the beginning to avoid any regrets later on. Study it and control yourself to not waste money with useless.

If you need precise answers about why we are pleased with the activity of shopping, maybe the following article may be an answer of your question.

According to research in the UK, the reason why we love shopping is our own brain.

So far, we believe that shopping is a random act, activity that is not considered mature, and tend to be emotional. Apparently the desire to shop already exists in the human brain since the days of primitive man. The area of the brain that makes us always wanted to look for new experiences. Not only this explains why we always want to spend like crazy, but it also describes why consumers are always crushed on new products.

Before you find these results, the researchers scanned the brain blood flow on the respondent to see parts of the brain known as the ventral straitum, which was active when a person chooses a new object for him. Then release neurotransmitters such as dopamine, which is process a sense of pleasure in the brain.

Mechanism to reward this joy that makes the researchers believed that humans have always been interested in the things previously unknown. So large that human curiosity would be nothing new, it is estimated that direct us to the evolution.

Looking for new experiences and unusual is the tendency of human nature and animals. This gives a willingness to try new things and prove an advantage in a long time.

In fact, the shoppers might be tempted to buy things that they do not actually need due to a very nice ad or a very big brand, but there are some people fall to gambling, because trying to find adventure.

These are some answers that may reveal why we love shopping or why a person very fond of shopping activity. In order not to get stuck with this activity, begin to learn to control your desire.

1. ATM Fees. ATM cards also have costs that you must pay each month. Therefore, when you first get an ATM card, you have to ask how much it costs when you do transaction using an ATM. Whether to withdraw cash, transfer money or pay bills.
2. PIN that is easy to guess. ATM Card will be a disaster when its fall or lose your wallet. If there is someone who is not responsible, then it can use the ATM. Moreover, you keep your PIN number to access the card in your wallet or mobile phone. It would be very dangerous, and therefore create a pin number that can’t be known to others and do not store it in a wallet or a message in your mobile phone.
3. No Record about expenditures. When finished using the ATM machine, many people are lazy to record the expenditure. And taking money from an ATM also includes expenditures that should you note, because you took the money to meet daily needs.
4. Do not treat it like a credit card. Do not treat your ATM card like a credit card. Money contained in the ATM card / savings should be used to finance the sudden and important necessities. Do not use to pay for things that are already included in the monthly family budget or to shop, because things are going to spend money in the contents of your ATM card.

Those are 4 things dangers in using an ATM card.

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Before you want to owe, you should know to whom or which ones you want to borrow their money. Is it from your husband family or wife. One thing is for sure you should owe to family members who have more wealth than enough. After that, you just note the following of how to borrow money from family:

1. Do not take the closeness of the relationship as an excuse.
2. Although you have siblings, but not necessarily familiar with you, therefore try to borrow from relatives who are familiar with yourself, surely it will make you be more comfortable. Determine the money to be borrowed for the purpose of what, how, how, and when to pay its debts. Afterwards, you and partner together to meet relatives which one are going to lend their money.
3. When you make decision to borrow money from them, you also have to make a commitment. You should be able to return the money borrowed in accordance with the agreed deadlines. Even if you borrow money from your own siblings, you can’t act arbitrarily. If you want to borrow money, it is better done directly with face to face.

Borrowing money from relatives, either from parents, in-laws or siblings, each of them have its own ethics. You have to borrow money from them with full commitment and good ethics. This is to give the impression to believe in you. Although borrowing money to relatives is more comfortable than a friend, you must remember that they aren’t bank. So don’t be too often borrow money from them.

If you still hard to borrow money from them then you can read about how to borrow money from friend. Hopefully it can help your financial situation.

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1. Give good explanation of why borrow money. You should give an explanation to your friend, why borrow money from her. Tell her what is the purpose of the money will be used and the large amount of money that you will borrow. Give more detailed explanations will certainly make your friend consider to lend money to you while loan amount is large enough.
2. Tell her the total amount of money to be borrowed in detail. One thing you should know that your friend is not a bank which have funds in large quantities. So, it would be better if you mention the amount that fits your needs and do not exaggerate. Give a specific amount in accordance with the funds needed to meet your needs.
3. Loan repayments over budget. If you have agreed with a friend to borrow money and pay the loan with a certain budget, try to pay more, so you can immediately pay off the debt over a specified schedule. In this way you will greatly ease because you will be more quickly freed from the burden of debt. In addition, your friend can also immediately get back the money. Pay off the debt immediately would be more fun than billed. Is that right?
4. Use someone to be witness. Before you borrow money from a friend especially for large amounts, you should look someone for witnesses of the transaction between you and your friends. That’s because every person has a different character especially if it is related to interest on the loan. Sometimes because of money, a person’s behavior can change and are unpredictable. Therefore we recommend you use someone to witness your transaction.

Those are the Four Ways How to Borrow Money from Friend. I hope it will help you about borrow money from your friend.

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1. Don’t ever waiting for the rest of the money end of the month. What do you do when you receive a salary at the beginning of the month? Do not think to use the money. It’s good when you receive a salary, immediate savings of 10-20% of your total income, and then the rest you use to meet daily needs. If you wait for the rest of money at the end of the month for savings, then it would be more temptation to spend the money.
2. Don’t only have one bank account. If you only have one bank account, it would be difficult for you to manage finances. That’s because you will not know how much money has been saved because mixed with so many expenses. In addition, you will be tempted to spend more because they feel there is still money. Therefore, you should create a separate bank account and is intended only to save it.
3. Don’t often withdraw money at the beginning of the month. Having a separate savings account with other accounts is aiming for something unexpected, but it’s good for these accounts, you do not ask for ATM facilities. If you have an ATM for the account, it will be a serious temptation for you to take the money.

Those are the three mistakes in saving money. Hopefully, it can help to control your own finance.

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If you want to be independent, start to change yourself into an entrepreneur. Maybe you often wonder, How to become an entrepreneur? How to make money? All that you can do if you are know your own potential. Here are four steps to become entrepreneurs:

1. Willingness to learn and seek mentors. If you want to learn and change, all sources of this knowledge can be a mentor to begin and change the current situation. Especially for those who feel worse financial condition or jobs, which felt stagnant and does not make you grow with your true potential.
2. Write down what you want and make it happen. Everyone certainly has the desire. If you have a desire that continues to shout in your mind, immediately write a paper upwards and immediately realize what was written. Do it by studying the situation, write all your ideas and point of view on paper so you more easily in formulating an idea.
3. Answer each question in your mind? It’s not easy to realize the desire. In develop a business, there are many problems and obstacles that we face. You often wonder about your business, do not keep all the questions without looking for answers. Therefore, answer any questions you have in mind. Then you can recognize your own potential and develop your business.
4. Do your best and good opportunities will come your way. Improve the quality of yourself need to be constantly pursued. Just do your best, without preoccupied with thinking about whether this is fair for you or not, or there are other things that can hamper your performance. Luck will come naturally to people who always do the best with their work, or in their life. Good opportunity will come at unpredictable times. So the best thing to do is give it all the best unconditionally. And see, when the time comes, opportunity, luck and even money, will pay for your hard work.

It is the four steps to become entrepreneurs. Are you ready to do this? Are you ready to change your life? Dare to act.

Best Regards

Handle Money

1. Pay your debt. Borrowing money and debt can’t be avoided especially if the need is urgent. If you have debts, don’t be silent. Immediately to pay it off, you can begin to set aside money from revenue to pay debt. How much debt you have, it becomes your obligation. Unpaid debts will certainly destroy your reputation. Therefore, allocate a maximum of 30 percent from a month salary to pay the mortgage or debt.
2. Saving Money. Saving money, especially in the bank, it is a good way to save some of your money for the future. Start saving money by allocating 10-20 percent of income for savings. For convenience in saving money, limit your desire to buy things that are not too important. Be tough on yourself, by making the priority needs of a much more important.
3. Emergency Fund. Besides savings, you also have to prepare a reserve fund as an emergency fund. Reserve fund is used for unforeseen needs such as treatment in hospital. If you get sick and need treatment in hospital certainly it is not cheap? You must allocate a fund of five percent of monthly income. To be effective, prepare an emergency fund up to six months. This is done as a precaution, try to make a special account for emergency funds. Separate this account from other accounts.
4. Insurance. In addition to paying off debt, saving money and emergency fund, you could use some money to buy insurance. Choose safety insurance to anticipate things that are not desired. In addition, other types of insurance that can also be given priority are health insurance and property insurance.
5. Investment. Besides saving money, you also have to make an investment. This is done because the investment will provide huge benefits in the future if the type of investments you select has a promising future. Therefore, learn the type of investment that you take.

Five obligations in managing finances will be able to run well if you are disciplined and resolute in doing so. The five it will become foundation of financial planning from the beginning.

Best Regards

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1. Do not be too focus on the financial cost of college kids, it is one of some mistake on the financial arrangements made by some wife, they forgot to saving for their own future because it is too concerned with children’s college fund. Concerned with children’s education fund is fine but you also have to prioritize your own savings. You do not want your life depends on the child in the future, Right? Therefore, save your money for your future.
2. Get involve in every financial plan. The wife must be aware of the issue bill payment, savings, and investment. Sit down and discuss all of it with your husband to know and learn your family’s financial circumstances.
3. Give pocket money to children as a cost saving measure. Giving pocket money to children is aimed for children to learn to manage finances and save money if they want something. It also can increase the child’s independence.
4. Set up and trim your home. If your house messy, it certainly can make you stress. The house is not tidy not only affect the health and sanity of mind, but also will become a problem for your finances. Therefore, make up your home so you will be the mood in financial management.

These are some tips on managing finances for the wives, you can do so if the focus of what to target.

Best Regards

Handle Money

1. Managing finances, in preparing the financial budget, you do not need the services of professional financial planner. You can do it by easy way, you only need to apply some savings programs that you understand so you can do so it quickly and without hassle. That is how to manage finances in an orderly and planned.

2. Don’t ever pay your monthly bills at the same time. If you have a variety of monthly bills such as electricity, water and so on, do not ever pay at the same time, it will make your paychecks this month reduced a lot. If each of these bills has maturity that is different, it is better you make a payment before receiving the bill. You will feel immediately relieved from liability, and unused money to pay the debt was not so pronounced.
3. Take five percent of your total salary to saving. Each time you receive a salary, immediately take five percent of your salary. For convenience, try using system automatically transfers money from your salary account to another bank account you have.
4. Define and execute your goals. Continue to motivate yourself for all the plans that you can arrange to walk to your liking. Do not ever escape from your life goals.
   Donate some of your money. Saving money is very good, but it would not hurt if you make a donation. Donations to help others and yourself, it will remind you that things are not unexpected could happen anytime and it could become a valuable lesson about habits control the finances.

Best Regards

Handle Money