Are You A Shopaholic? Here Are Some Practical Tips On How To Get Out Of Debt

If you are a self-professed shopaholic,there is a fat chance that you are in some serious financial troubles. Being a shopaholic means you are an impulsive buyer who cannot control their spending habits. If you got yourself in debt because of this,you need to start thinking about how you will get yourself out of it.

As a shopaholic,you know that your uncontrollable urges will require the intervention of a professional. You should seek the help of a debt counselor to help shed light to the real situation of your financial health.

But if you want to try to heal yourself on your own,the real answer is to get rid of your bad spending habits and develop wiser and smarter shopping habits. Getting over an addiction is hard but if you are determined enough to take control of the situation,you can persevere. Here are some tips that you can follow to help you succeed in your debt relief efforts.

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First of all,you need to keep your credit cards. The convenience of buying things through these plastic cards is one of modes of encouragement that the shopaholic in you needs. If you take it away,you will spend more time thinking about every purchase. After all,paying for things in cash is much more painful to make if you are really on a tight budget.

After removing your credit cards from the picture,take an inventory of everything that you own. Organize the items that you previously bought and take note of the things that you have. Separate the items that you is important to you and those that you do not need. Whatever you do not need can be sold – either online or in a yard sale. This money that you get can be placed in your debt payment fund so you can get out of debt faster.

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If you used to go shopping to relieve yourself of stress,depression or simple boredom,stop doing it. Only go to the mall if you have a need for something. Buy things like most men do. Go to the store,head directly to what you intended to buy,go to the cashier,and pay for it. Don’t make any side trips as these will tempt you to buy more than what you really need. Making a list of the things that you have to buy will effectively keep you from overspending.

It also helps to see where you go shopping. If you only need grocery items,go to stores that only sell the items you need. The big chains that offer more than grocery items should be avoided because the chances of you buying more than what is on your list will be higher.

You should also choose who you shop with. If it is a friend who is a shopaholic like you,then you might go back to your old habits. Choose a friend who is not afraid to tell you if a purchase is wrong. You need someone who will tell you if you need an item or not.

And before you go shopping,one tip that will help you spend more wisely is when you pay your bills first. If a friend is asking to meet up in the mall,settle all your bills and see the documents that state where your money should be going. It will make you more cautious about where you will put your money.

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