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Some people tend to buy things that they like, even if they do not
have enough money to buy it. Also, they sometimes purchase things that they do
not need. This essay will discuss the reasons of this phenomenon and how to
prevent people from having this problem. People run into debt because they buy things they do not need
and cannot afford. The main reason of this behavior is psychological effect.
When people purchase what they want, they feel a sense of satisfaction. Thus,
they buy unnecessary things using the credit card without having clear
idea, even if they do not have enough money to buy. There are two measures in order to prevent people from having
this consumption habit. Firstly, people should plan what they will buy before
they go shopping. Making a shopping list after thinking sufficiently about what
they need is helpful to them. They can avoid unnecessary consumption by
buying only things on the shopping list. Moreover, they should learn how to
manage their budget in order to prevent over consumption. They can be aware how
much money is left by recording monthly income and spending. They would buy
what they want within their budget as long as they manage their budget
correctly.
In conclusion,
people buy things that they do not need and cannot afford because of a sense of
satisfaction, but they can have correct consumption habit by making a shopping
list and managing their budget. Also, they should avoid using a credit card
indiscreetly. |