Financial Planning And Why You Must Have Budget.

Thursday, October 29, 2009 | comments

Financial planning calls for you to be in full control of your money coming in and going out, failure to that then you can prepare yourself for financial crisis. As much as it takes personal principles, there is a need to budget to avoid overspending especially when you go into a supermarket. Just think of this; you enter a super market and by the time you get to the cashier you have four items that you did not intend to pick.

Supermarkets employ clever techniques of making customers pick items that are not necessarily important hence shoppers spend big. One technique is placing goodies just next to the cashier, as much as they may appear cheap in the long run they add to your spending.

Every supermarket has shopping carts at the entrance, but some of us even though we were intending to pick a single item decide to push a trolley to lean on as we shop. Sometimes a supermarket attendant will even offer you one if you do not have. In the process we find ourselves tossing items we do not need in the shopping cart. This is a psychological issue thus leave that trolley alone when you are buying a single item.

The best way to overcome this is by having a budget and more so sticking to it. You do not need to be an accountant to draw a budget. Before purchasing an item whether it is necessary or not, ask yourself whether you really need it. Even when you meet a convincing sales person with an irresistible offer walk away or you will buy something you did not budget for.

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