How,Stop,Knee,Jerk,Spending,Kn finance, share, loan How to Stop Knee Jerk Spending
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Knee jerk spending is when you buy something you didnt intend to buy when you got up that morning. Usually, the item you end up buying is some sort of novelty gadget, gizmo, toy, item of jewelry or clothing but it can extend to a new car or even a new house with some people! Although theres nothing wrong with buying these things, its the fact that you didnt intend to buy them when you woke up thats bleeding you dry. Amazingly, this type of spending very quickly becomes unconscious! What I mean by that is you completely forget or blank out the memory from walking in the shop (Or whatever) and selecting the item, to paying for it. In most cases, people cant even remember how much the item was! They almost certainly cannot remember how much theyve spent that day because thats the painful part! The danger with knee jerk spending is that its not you who selects the product. It is the product that selects YOU! In other words, youre a puppet. A puppet whose dance involves smiling a lot, nodding your head and removing dollar bills from your pocket! You dont wanna be a puppet do you? Oh my God! I have a question for you. Do you always pay your credit card off every month? Im going to be presumptuous as hell here. You dont pay it all off do you? No. This is how the credit card companies make £billions upon £billions every year (Maybe more!). They know that people always think, I know, Ill get it now and pay it off in 30 or 40 days time when the statement comes! Its a choice that you weigh up at the time. A choice that seems like a rational one. But when the statement comes, you have another completely different choice to make. Do I pay it all or do I pay the minimum? The correct choice for the long term (and you know it!) is to pay it off in full. But after 30 days it turns out you need more money than you first thought and so you choose to pay just a little bit this month and the rest in a months time. But next month you make the same choice and the next month and the next until youre paying it off forever and a day. With interest that could pay a Kings ransom! Oh how clever the credit card concept is. I hope Mr and Mrs Amex sleep well at night! The trick is to leave the purchase for a while and think about it (No matter what the salesman says). Think about how it will help you in life. Weigh up the pros and cons. Then, if you still think you really need the item, go buy it! If you dont really need it then forget all about it
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