How To Solve “A Shopping Addiction”

1. Let’s be honest, there really is no cure!

Many times, it may feel as if there are no cures out there. But one thing that you actually can do is improve and change habits. This also isn’t as easy as it sounds. I for one, have a problem sometimes deciding wether or not I really need something. It is fun to say I do though! Haha!

2. If you ask a “Professional”

When asking a professional about this, they may say your problem with shopping stems from your upbringing. Now this in fact can be true but sometimes shopping becomes a problem when people develop bad habits with their money. In reality, EVERYTHING stems from early childhood. You literally can’t get away from that, and there’s no reason you should. All of the events that took place in your life led you right here, right now, to this blog post. All of the beautiful memories made and even some bad ones, it all makes up the person you are today. Don’t change who you are, simply improve.

3. Understanding the Reality:

Now you may be reading this blog post to improve a situation or even to solve a problem desperately but the one thing you have to realize is that nothing will change overnight! If you want this to work, you need to change. You need to change your ways and improve everything you do down to the T! No it isn’t easy but guess what? It isn’t impossible either. There are no excuses!

I often will be on Pinterest looking for ways I can improve money spending or saving, then I’ll Pin stuff to my board after I’ve read or just save to read later. But a lot of times when I’m reading these posts, I am really just looking for “the answer”. But there isn’t just one answer that’s going to solve anything in life. Granted, that statement is arguable. But what you’re looking for, no there isn’t. Ive found that these posts are just super motivating! I hear all of these posts about how “I paid off $18,000 in 6 months” and I’m over here like “What the heck??? Where do I find that kind of money???” lol I am not saying the stories aren’t true, but if you’re like me, $18,000 doesn’t just float onto your lap! It’s just not reasonable to think it would. In reading those posts, I do get motivated and I do find small ways to improve in every article, and that’s why I read them. The same reason you should be reading now.

4. Realize that there is a problem and you’re here to fix it!

You already know that there is something going on, thats why you’re reading posts and articles. Now what do you want to do about it? Don’t dwell on the fact that there is a problem, just know it in the back of your mind and that’ll help you make better choices. I personally don’t like being told I have a problem so I don’t mean to say it in that sense. We all just want to improve our finances. If you ask any person on this earth, they will all say that they want to improve their finances. Regardless how rich they may be, people always have to improve. If they don’t, and just spend and do whatever they want, that money will soon run out.

5. Ask yourself this:

Do you really NEED it?  Is it more of a WANT then a NEED? Can you physically survive without it?

Its all about getting to the root of the purchase. In example, a laptop. For school, work, personal , and blogging, yes I do NEED it. It IS more of a NEED than a want. But yes I can physically survive without it. Now I just answered YES to 2 out of 3 of those questions. So, I’ve established I probably need it but now my mind needs to be set on when I should actually buy it. You need to now form a timeline and budget!

If you don’t have a YES result, don’t be disappointed, just write down what you want on your timeline and take care of the more important things first. Then you’ll be able to plan for what you want without feeling guilty or have buyers remorse because now you’ve taken care of the more important things on your timeline so you have extra room to save for it.

6. Timeline, Budget, and SAVE!

A timeline: Having a NEED list and a WANT list.

A budget: Checking local places and online stores to find the best possible price you can for what you want or need, then aiming to beat that price. If its a need that isn’t necessarily an item, decide on what you are able to spend in order to make this happen. In all cases, STICK TO THE BUDGET! I cannot stress this any more!

Save! Try to save a much money you can while doing anything! If that means waiting, then darn straight, you better wait! Another way to save is, lets say you have $100 dollars to spend, but you actually only spend $65, then go put the remainder from the $100 into your savings account!

7. Ways to take control of your finances!

Cash Envelope System: When you budget out the month and you set aside certain cash that can’t be touched accept FOR THOSE EXPENSES! Example: Groceries, Gas, Splurges, Eating out, Utilities/Rent, etc.

Budget: Always keep a budget! Start off by itemizing everything that you have to pay to sustain living. Ex. Rent, Groceries, Car Payment, Gas, Utilities, Medical, Etc. Then move on to things like bills and make sure you prioritize everything. Then lastly you’ll find stuff like Netflix, Hulu, Apple Music, Cable, Etc. These things aren’t bad to have but you need to realize and ask yourself if you can afford them. And if you got rid of them, how much extra money would you have and if you had that extra money, could it go to a bill to get paid off?

Coupons!!! 

I cannot stress how important it is to use coupons! In this day and age coupons are available from anywhere! Mobile Apps, E-mail, Texts, Websites, Mailers, Etc. There are so many, once you master the art of collecting coupons and you use them wisely, you’ll save so much money! I say wisely because if you, for example, find coupons for things you really weren’t planning to buy or don’t even need, then you just wasted money! You fell victim to coupon disaster hoarder! Don’t be a CDH!

Partner Communication:

Try to communicate together and come up with the best solutions possible for the situation at hand. There’s absolutely no need to argue or blame! You won’t get anywhere like that, just deeper problems. It’s probably best to sit down together (without children!) and just talk about your goals and wants and needs and just allow the ideas to flow freely. Then start to talk about ways you can achieve these goals and ways to improve your budget and spending.

 

To close…

There are many ways, some not listed here, to stop or minimize spending and start taking control of your paycheck. Some people can’t quit cold turkey but others might be more willing to take the more drastic measures. Trying to solve your shopping addictions is hard, but you can do it! Just start slow and keep this info on hand when you’re making a purchase. Weigh out the pros and cons, then do it again and again until you think its the best purchase.

 

Faithfully,

The Learning Mama

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Being The Bigger Person

To start, I apologize for skipping a week to blog, unannounced. I actually started a new school semester! Yay me! Well as some may have noticed, I’ve tried to stay current on posts by posting every Wednesday. That is going to be my new schedule.

 

Being the bigger person,

Recently, in the past few days, I had an encounter with a woman who was older and more qualified than me at school. She was the person I had to speak with in order to make something else at school work out better than it was.

For starters, I am always nice and carry myself with class, as I should. It is very important to always be kind to people regardless of any circumstances you may be faced with. There is no need to try to “display your strength” when you need someone on your side! But when someone tries to prey on your weaknesses or kindness, yes be stern and hold your ground, but also be kind in doing so.

Well, our meeting was bad from the start! As soon as I walked in, smiling and kind, she never smiled and looked bothered already. Her first words were for me to recount my side of the issue. I did so without any hesitation. From there, we were going over certain details and I explained the same exact things I had just explained. She abruptly stopped me and accused me of “changing my story”! By that point, I knew I wasn’t going to get anywhere in her mind.

She explained certain situations a teacher was going through, as if that had anything to do with the issue at hand! Seriously? But regardless, I responded back explaining I had been through those circumstances recently and I didn’t see how that affected this issue at hand?

Throughout our whole meeting, I was called inconsiderate, needed to “be an adult”, a liar, and probably other things I literally just shut out after the first 5 minutes of this conversation.

Towards the end of this meeting, she informed me of the process in which I had to take with my teacher. I swear she should’ve just said that in the first place. Then maybe she would not have wasted any of my time.

So here’s what I did, I was the bigger person.

I couldn’t believe that she had this all planned out before I even got there. At least that’s the only explanation as to why she acted that way.

Folks, I personally do NOT care what level of education you have or job title you hold. You do not get away with things like that!

So, upon the closing of this meeting, I stood up, looked directly in her eyes and said:                                        “I apologize that you felt I changed my story. I didn’t intend for you to feel that way. But I assure you that the problem here is not my integrity! So please, do not ever call me a liar again. I am sympathetic for my teachers dilemmas, but yet I fail to see what that has to do with this issue at hand. If this issue does not get resolved, then I guess it is a learning experience and for me to know what teachers not to take next time. But the reason I’m here is to fix this problem because I am an adult! Thank you very much for anything you felt that you helped me with today!”

The entire time I was there and the entire time I spoke to her, I was completely calm. I knew what was the truth and I don’t need to explain myself further if I’m not going to be heard or treated fairly. Thats not right! So be the bigger person and allow these people to say what they have to say but DO stand up for yourself when you know you’re being treated horribly unfair!

I hope that this blog post will encourage you to know what to do in these situations. Has there ever been a time in your life where this has happened to you? Or at least along the same lines? If so, share your story in a comment or message!

 

 

Faithfully,

The Learning Mama

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