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Answer Upon - Identify The Reason For Your Non-Essential Spending
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And it works! (the marketing that is, not the product)
When was the last time that you bought something because you thought that it would make you look more attractive or sophisticated?
Go on, be honest!
d) Peer Spending
This is very similar to the last reason. Peer spending means buying things that your peers (i.e. your friends or other people in roughly the same age group) already own. There are two reasons why people feel the need to do this.
One
The need for approval. The need to be accepted and feel part of the ‘in’ crowd is of vital importance to just about everyone. This bad habit is learnt at school and carried into adulthood. And what better way to gain other people’s approval than buying the same sort of things that they have?
All your friends have the newest cell phone with all the latest technology and design features. How could you honestly hold your head up in company when you consider how ‘prehistoric’ your phone is? It’s six months old after all!
And the list goes on and on. If it’s not mobile phones, it’s your
As editor/publisher of Book Promotion Newsletter, I am fortunate in having an eclectic group of subscribers who number in the thousands. The ezine is interactive and subscribers are encouraged to share their innovative marketing techniques.Since starting the ezine in March 2003, I have learned a great deal about the do’s and don’ts of book promotion. Some has been through my own experience as author of two local guidebooks, Catskill Alive (second edition) and Long Island Alive, both published in 2003 by Hunter Publishing. But most of what I know today comes from this creative group of authors, publicists, book reviewers, book coaches and editors.First and foremost, subscribers agree, never hold a book signing without an accompanying presentation, contest or event. Simple lectures can be a bust – To promote my guidebooks, I spoke at Barnes & Noble and Borders to large groups of people who asked questions and challenged my knowledge and then left without purchasing one book.One subscriber gets around this by doing “teaser” prog
Look through your shopping receipts for the past month. That is if you still have them! But while we’re on this subject, it is always a good idea to keep the receipts for everything that you’ve bought over the last month.
This makes it easier to return any items that are faulty or damaged. In most cases, it will also allow you to return items that you don’t want. You know, items bought on a whim that you lose interest in almost as soon as you return home. Items that you thought looked great on television or in the shop, but aren’t! So instead of leaving them lying in your spare room and chalking it up to experience, you’ll be able to get your money back.
Second, and this is the vital point, the receipts will act as a visible reminder of the amount that you’ve spent. Seeing your spending habits in black and white will make it much harder for you to hide from your financial situation.
Now I want you to find the last ten non-essential things that you’ve bought. Write them down below, including the price and the reason why you bought each item.
Now to assist you with this, I will say the following.
Non-essential = Things that you didn’t need to buy to ensure your continued survival
Essential means the things that you need to keep body and soul together. This covers basic clothing, basic housing and food. It also includes expenses that allow you to get to work and do your job, insurance to protect what you’ve got, bills to make sure you stay as healthy as possible and payments to keep the authorities off your back. And that’s it!
If you really, really want to clear your debts, these things are all that you need. Anything else is unnecessary, therefore non-essential.
ITEM PRICE REASON 1) 2) 3) 4) 5) 6) 7) 8) 9) 10)A fascinating exercise!
Now what were your reasons for spending money on these items? Where are your weaknesses? It’s only when you know the situations where you spend money on non-essential items, that you’ll be able to resist these impulses.
If you’re having problems deciding why you bought certain non-essential items, then look no further. The reasons below are likely to cover just about every situation you could possibly imagine.
a) Emotional Spending
Boyfriend left you? Had a row with your wife? Then why not cheer yourself up! Go on you deserve it. Then, not only will you be depressed, you’ll also have your debts to keep you company.
People spend when they’re unhappy in an attempt to cheer themselves up. Why? Because the retail industry would have us believe that it will make you feel better and cure all your problems. Well it won’t! All it will do is to distract you from your misery….temporarily.
b) Reward Spending
I want to give you three statements.
- I deserved a reward, that’s what money is for
- You only live once, and if you can’t treat yourself then life is not worth living
- I’ve been working so hard recently I needed a treat to cheer myself up
When was the last time that you used one of these excuses to justify spending money on a luxury item? And when I say luxury, I mean an item that is not necessary for your continued survival.
You need to go to work, but you can’t face it, so you promise yourself a new mobile phone if you make it to the end of the week. You need to do some household chores, but you can’t face it, so you tell yourself that if you do them you’ll buy that nice top that you saw in the window of that rather exclusive little boutique the other day. You need to do some grocery shopping but you can’t face it, so you….oh, you get the idea!
Wouldn’t it be better to alter your life until you’re happy with it, instead of trying to spend yourself happy?
If you don’t, you’ll end up bankrupt….and you’ll still be unhappy!
Cancelling out your debts will require many sacrifices to your lifestyle. If you must reward yourself for every little thing that you do, then pick a treat that doesn’t cost much. Or better still, something that costs nothing!
Try taking a walk in the park, having a lie in when you don’t need to go to work, or reading a new book. All of these things can give you great enjoyment if you approach them with the right attitude. Make a list of all the inexpensive things that you enjoy doing and then use them as treats.
c) Image Spending
This is one of the central messages used in marketing. It ruthlessly exploits people’s desire to be seen as interesting and attractive. Adverts use this type of manipulation all the time.
For products aimed at men, you’ll find subtle messages such as, drive this car and you’ll get the best looking girl. Drink this brand of beer and all your friends will love you. Use this razor and you’ll be an all round superman.
For products aimed at women, the messages again pander to their need to look cool and to be liked by everyone. Ideas such as, use these cosmetics and you’ll suddenly become beautiful. Buy this mobile phone and you’ll never be short of friends to socialise with. Wear this perfume and you’ll find your prince charming, etc, etc, etc.
And it works! (the marketing that is, not the product)
When was the last time that you bought something because you thought that it would make you look more attractive or sophisticated?
Go on, be honest!
d) Peer Spending
This is very similar to the last reason. Peer spending means buying things that your peers (i.e. your friends or other people in roughly the same age group) already own. There are two reasons why people feel the need to do this.
One
The need for approval. The need to be accepted and feel part of the ‘in’ crowd is of vital importance to just about everyone. This bad habit is learnt at school and carried into adulthood. And what better way to gain other people’s approval than buying the same sort of things that they have?
All your friends have the newest cell phone with all the latest technology and design features. How could you honestly hold your head up in company when you consider how ‘prehistoric’ your phone is? It’s six months old after all!
And the list goes on and on. If it’s not mobile phones, it’s your c
Have you ever had someone try to persuade you with those old, outdated, offensive tactics? You know the ones I am talking about. Before you are even close to purchasing a product I am sure that you have been asked: “Do you want it in green or black?” I am sure you have also heard: “If I could show you how to become financially independent, you’d be interested wouldn’t you?” This backs you into a corner and you don’t even want to answer the question. You wonder, does this person really think I’m that dumb? You don’t buy from these people. You don’t even like these people. You never go back to their store. Do these tactics still work? Sure they do. It is the law of averages. Eventually you can find someone who will bend to any persuasive technique. Great persuaders are not smarter; they just have the right tools.You have heard the adage, “If you are a hammer, everyone is a nail.” You can't treat everyone exactly the same. You have to customize the presentation to every customer. I want to give you a new set of tools because o
Non-essential = Things that you didn’t need to buy to ensure your continued survival
Essential means the things that you need to keep body and soul together. This covers basic clothing, basic housing and food. It also includes expenses that allow you to get to work and do your job, insurance to protect what you’ve got, bills to make sure you stay as healthy as possible and payments to keep the authorities off your back. And that’s it!
If you really, really want to clear your debts, these things are all that you need. Anything else is unnecessary, therefore non-essential.
ITEM PRICE REASON 1) 2) 3) 4) 5) 6) 7) 8) 9) 10)A fascinating exercise!
Now what were your reasons for spending money on these items? Where are your weaknesses? It’s only when you know the situations where you spend money on non-essential items, that you’ll be able to resist these impulses.
If you’re having problems deciding why you bought certain non-essential items, then look no further. The reasons below are likely to cover just about every situation you could possibly imagine.
a) Emotional Spending
Boyfriend left you? Had a row with your wife? Then why not cheer yourself up! Go on you deserve it. Then, not only will you be depressed, you’ll also have your debts to keep you company.
People spend when they’re unhappy in an attempt to cheer themselves up. Why? Because the retail industry would have us believe that it will make you feel better and cure all your problems. Well it won’t! All it will do is to distract you from your misery….temporarily.
b) Reward Spending
I want to give you three statements.
- I deserved a reward, that’s what money is for
- You only live once, and if you can’t treat yourself then life is not worth living
- I’ve been working so hard recently I needed a treat to cheer myself up
When was the last time that you used one of these excuses to justify spending money on a luxury item? And when I say luxury, I mean an item that is not necessary for your continued survival.
You need to go to work, but you can’t face it, so you promise yourself a new mobile phone if you make it to the end of the week. You need to do some household chores, but you can’t face it, so you tell yourself that if you do them you’ll buy that nice top that you saw in the window of that rather exclusive little boutique the other day. You need to do some grocery shopping but you can’t face it, so you….oh, you get the idea!
Wouldn’t it be better to alter your life until you’re happy with it, instead of trying to spend yourself happy?
If you don’t, you’ll end up bankrupt….and you’ll still be unhappy!
Cancelling out your debts will require many sacrifices to your lifestyle. If you must reward yourself for every little thing that you do, then pick a treat that doesn’t cost much. Or better still, something that costs nothing!
Try taking a walk in the park, having a lie in when you don’t need to go to work, or reading a new book. All of these things can give you great enjoyment if you approach them with the right attitude. Make a list of all the inexpensive things that you enjoy doing and then use them as treats.
c) Image Spending
This is one of the central messages used in marketing. It ruthlessly exploits people’s desire to be seen as interesting and attractive. Adverts use this type of manipulation all the time.
For products aimed at men, you’ll find subtle messages such as, drive this car and you’ll get the best looking girl. Drink this brand of beer and all your friends will love you. Use this razor and you’ll be an all round superman.
For products aimed at women, the messages again pander to their need to look cool and to be liked by everyone. Ideas such as, use these cosmetics and you’ll suddenly become beautiful. Buy this mobile phone and you’ll never be short of friends to socialise with. Wear this perfume and you’ll find your prince charming, etc, etc, etc.
And it works! (the marketing that is, not the product)
When was the last time that you bought something because you thought that it would make you look more attractive or sophisticated?
Go on, be honest!
d) Peer Spending
This is very similar to the last reason. Peer spending means buying things that your peers (i.e. your friends or other people in roughly the same age group) already own. There are two reasons why people feel the need to do this.
One
The need for approval. The need to be accepted and feel part of the ‘in’ crowd is of vital importance to just about everyone. This bad habit is learnt at school and carried into adulthood. And what better way to gain other people’s approval than buying the same sort of things that they have?
All your friends have the newest cell phone with all the latest technology and design features. How could you honestly hold your head up in company when you consider how ‘prehistoric’ your phone is? It’s six months old after all!
And the list goes on and on. If it’s not mobile phones, it’s your
What if you could simultaneously build a quality and highly responsive opt in list and get paid for doing it at the same time? Isn't that the point of growing your list... to grow your business. Yes, and wouldn't be great if you could do that and actually have measurable and expected returns on the amount of each subscriber who joins your list? If your answer is yes, then you are correct. The way to do this is to combine the three most powerful forms of internet marketing. The opt-in email, the ebook and the article.How do you do this most successfully? Well when you have valuable information to give your market, that information is gold. If you can create in-hand cash profits for your ebook reader, don't you think that they would be willing to pay you for it? Of course they are.That is why a quality and informative tutorial ebook well written and adding value to the reader is the best place to start. There are many places online that will allow you to create an ebook with software and even a few that will allow you to do this fo
People spend when they’re unhappy in an attempt to cheer themselves up. Why? Because the retail industry would have us believe that it will make you feel better and cure all your problems. Well it won’t! All it will do is to distract you from your misery….temporarily.
b) Reward Spending
I want to give you three statements.
- I deserved a reward, that’s what money is for
- You only live once, and if you can’t treat yourself then life is not worth living
- I’ve been working so hard recently I needed a treat to cheer myself up
When was the last time that you used one of these excuses to justify spending money on a luxury item? And when I say luxury, I mean an item that is not necessary for your continued survival.
You need to go to work, but you can’t face it, so you promise yourself a new mobile phone if you make it to the end of the week. You need to do some household chores, but you can’t face it, so you tell yourself that if you do them you’ll buy that nice top that you saw in the window of that rather exclusive little boutique the other day. You need to do some grocery shopping but you can’t face it, so you….oh, you get the idea!
Wouldn’t it be better to alter your life until you’re happy with it, instead of trying to spend yourself happy?
If you don’t, you’ll end up bankrupt….and you’ll still be unhappy!
Cancelling out your debts will require many sacrifices to your lifestyle. If you must reward yourself for every little thing that you do, then pick a treat that doesn’t cost much. Or better still, something that costs nothing!
Try taking a walk in the park, having a lie in when you don’t need to go to work, or reading a new book. All of these things can give you great enjoyment if you approach them with the right attitude. Make a list of all the inexpensive things that you enjoy doing and then use them as treats.
c) Image Spending
This is one of the central messages used in marketing. It ruthlessly exploits people’s desire to be seen as interesting and attractive. Adverts use this type of manipulation all the time.
For products aimed at men, you’ll find subtle messages such as, drive this car and you’ll get the best looking girl. Drink this brand of beer and all your friends will love you. Use this razor and you’ll be an all round superman.
For products aimed at women, the messages again pander to their need to look cool and to be liked by everyone. Ideas such as, use these cosmetics and you’ll suddenly become beautiful. Buy this mobile phone and you’ll never be short of friends to socialise with. Wear this perfume and you’ll find your prince charming, etc, etc, etc.
And it works! (the marketing that is, not the product)
When was the last time that you bought something because you thought that it would make you look more attractive or sophisticated?
Go on, be honest!
d) Peer Spending
This is very similar to the last reason. Peer spending means buying things that your peers (i.e. your friends or other people in roughly the same age group) already own. There are two reasons why people feel the need to do this.
One
The need for approval. The need to be accepted and feel part of the ‘in’ crowd is of vital importance to just about everyone. This bad habit is learnt at school and carried into adulthood. And what better way to gain other people’s approval than buying the same sort of things that they have?
All your friends have the newest cell phone with all the latest technology and design features. How could you honestly hold your head up in company when you consider how ‘prehistoric’ your phone is? It’s six months old after all!
And the list goes on and on. If it’s not mobile phones, it’s your
You have seen all of the advertisements where merchants are hawking their products to help you profit in the home foreclosure market. What they don’t tell you is that not every home in foreclosure is quite the bargain that they would like you to believe it to be. Specifically, if a home is being foreclosed in a market that is hot, you won’t find as near a great bargain as you would in an average housing market. Yet, you can profit from a pre-foreclosure purchase even in the hottest housing market, so read on for some helpful tips.You would think that a distressed homeowner would dump his property in a hot housing market before things get out of hand. Unfortunately, not every homeowner acts so quickly and the home is taken out from underneath him before a sale can be arranged. When this happens, the bank will look to dispose of the property very quickly and will likely still make a profit in a strong market. However, the homeowner could end up walking away from a foreclosure with very little cash on hand.Many homeowners are finding t
Wouldn’t it be better to alter your life until you’re happy with it, instead of trying to spend yourself happy?
If you don’t, you’ll end up bankrupt….and you’ll still be unhappy!
Cancelling out your debts will require many sacrifices to your lifestyle. If you must reward yourself for every little thing that you do, then pick a treat that doesn’t cost much. Or better still, something that costs nothing!
Try taking a walk in the park, having a lie in when you don’t need to go to work, or reading a new book. All of these things can give you great enjoyment if you approach them with the right attitude. Make a list of all the inexpensive things that you enjoy doing and then use them as treats.
c) Image Spending
This is one of the central messages used in marketing. It ruthlessly exploits people’s desire to be seen as interesting and attractive. Adverts use this type of manipulation all the time.
For products aimed at men, you’ll find subtle messages such as, drive this car and you’ll get the best looking girl. Drink this brand of beer and all your friends will love you. Use this razor and you’ll be an all round superman.
For products aimed at women, the messages again pander to their need to look cool and to be liked by everyone. Ideas such as, use these cosmetics and you’ll suddenly become beautiful. Buy this mobile phone and you’ll never be short of friends to socialise with. Wear this perfume and you’ll find your prince charming, etc, etc, etc.
And it works! (the marketing that is, not the product)
When was the last time that you bought something because you thought that it would make you look more attractive or sophisticated?
Go on, be honest!
d) Peer Spending
This is very similar to the last reason. Peer spending means buying things that your peers (i.e. your friends or other people in roughly the same age group) already own. There are two reasons why people feel the need to do this.
One
The need for approval. The need to be accepted and feel part of the ‘in’ crowd is of vital importance to just about everyone. This bad habit is learnt at school and carried into adulthood. And what better way to gain other people’s approval than buying the same sort of things that they have?
All your friends have the newest cell phone with all the latest technology and design features. How could you honestly hold your head up in company when you consider how ‘prehistoric’ your phone is? It’s six months old after all!
And the list goes on and on. If it’s not mobile phones, it’s your
With credit card fraud and identity theft on the rise, it is important for you to keep your credit information safe. Individuals who prey on unsuspecting consumers have cunning techniques for getting your personal information. In fact, their techniques are so subtle that you may even volunteer this information. Here are a few tips to help you keep your credit report safe.Who Has Access to Credit Report Information?Several people may have access to your credit report. Aside from creditors and lending institutions, landlords, employers, and insurance agencies may also review your credit report. In most cases, these businesses need your written consent before obtaining a copy of your credit report. Current creditors may periodically review your credit report without permission. Furthermore, credit card companies that offer pre-approval credit offers have access to your credit score. Is Your Personal Credit Report Private?In order for someone to check your credit, they must have a legitimate reason. Access to
And it works! (the marketing that is, not the product)
When was the last time that you bought something because you thought that it would make you look more attractive or sophisticated?
Go on, be honest!
d) Peer Spending
This is very similar to the last reason. Peer spending means buying things that your peers (i.e. your friends or other people in roughly the same age group) already own. There are two reasons why people feel the need to do this.
One
The need for approval. The need to be accepted and feel part of the ‘in’ crowd is of vital importance to just about everyone. This bad habit is learnt at school and carried into adulthood. And what better way to gain other people’s approval than buying the same sort of things that they have?
All your friends have the newest cell phone with all the latest technology and design features. How could you honestly hold your head up in company when you consider how ‘prehistoric’ your phone is? It’s six months old after all!
And the list goes on and on. If it’s not mobile phones, it’s your car, your hair style, your clothes. So you go with the crowd to gain their approval.
Two
It satisfies their need not to be left out. Buying what other people have is a classic sign of the ‘I want what they’ve got’ mentality. Keeping up with the Joneses, ‘I can’t let them show me up with what they’ve got’ call it whatever you want! That type of attitude has inspired many an overdraft!
e) Bravado Spending
Some people spend purely to show off and impress others. To let other people know how much they’ve got and how much they can spend. And what better way to do it, than be flexing your ‘spending muscle’, otherwise known as your credit card.
But it’s just a front. Nothing more than a thin veneer! With the help of their ‘flexible friend’ anyone can spend as if they were a millionaire….temporarily.
Bravado spending is not just misguided it’s also a waste of money. And if you can’t accept that, then your desire to become debt free is obviously not strong enough.
f) Impulse Spending
You get a sudden urge to buy something. It pops into your head and you just can’t settle until you’ve bought it. This is one of the hardest types of spending to avoid (often because you’ve bought the item(s) in question before you come to your senses).
All that I can suggest is to stall your enthusiasm for all non-essential purchases as long as possible. Give yourself time to think why you want to buy it. Then remind yourself about the size of your debts and the vow that you made to yourself to get rid of them.
The urge to spend money will soon pass. Within a few days or weeks you’ll look back with amazement that you considered buying that item, and relief that you didn’t.
Once you’ve seen through the reasons for buying unnecessary things, it will become much easier to resist them.
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