13 thought traps that make us poorer

1. “Come on, only 100 rubles!”

Of course, in today’s times it is really a small amount. If you occasionally spend it on something unnecessary, but pleasant, nothing terrible will happen. But the key word is “occasionally”.

After all, it happens that this phrase sounds every day, or even several times a day. And this is already pouring into more than three thousand a month. With a salary of 70 thousand, the amount is almost invisible. At 30, this is 1/10 of income. And with that kind of money, it’s really possible to buy a basket of groceries for a week or pay a communal apartment for a month.

Instead of 100 rubles, you can substitute any other amount. The bottom line is that the “it’s just…” formula doesn’t work very well with money. Especially if there aren’t many of them.

2. “Well, we only live once”

Usually, when it comes to the fact that petty spending on pleasures also needs to be monitored, you can almost certainly hear: “Here you are bores, this is no fun! We only live once.” People are guided by a similar principle when they arrange magnificent celebrations on credit , buy executive class cars, huddle in a communal apartment, and so on.

You can’t argue at all: you only live once. But – thanks to medicine – long enough. And how competently a person manages money depends on his comfort in ten, twenty, forty years.

Another popular argument: “Yes, I still won’t live!” But imagine for a moment that you still survive? What will it be like to be without savings in a rented apartment with a pension of less than 20 thousand?

3. “Why look at the price, it is clearly worth a penny”

Another “hundred-ruble” trap: it seems that some product simply cannot be expensive. And therefore, why look for a price tag among a dozen of these pieces of paper – just waste time. However, at the checkout it may turn out that this is not the usual carrot for 50 rubles, but grown on an alluvial island in the Bermuda Triangle for 1.5 thousand. In the general check, this is often imperceptible, but by chance it will turn out to be 1,450 rubles less than it could be in the wallet.

4. “Expensive… But I’ve already taken it, it’s inconvenient to refuse”

Suppose, at the checkout, the buyer nevertheless notices that carrots are sold at the price of caviar. But asking to remove the goods seems to be inconvenient: “Suddenly they think that I don’t have money?”.

Some sales techniques and even fraudulent schemes are tied to this feature. For example, a consultant talks and shows a model for a long time, the client already decides to purchase and then finds out the price. To admit to the seller that it is expensive is inconvenient, and you have to buy. Or “promoters” lure passers-by to a free tea tasting, and then offer to take the dust of Ceylon roads at a fabulous price. And the same effect works again: it’s embarrassing to refuse.

In fact, it is inconvenient to live on water and pasta , because I could not say “no” in time. And admitting that you have a limited budget for this or that thing is normal.

5. “Fu, for the action! This is for the poor”

Probably, such a position has a base in the form of some kind of injury. Maybe a person grew up in a poor family, where they only bought goods with red price tags, so now buying on a promotion is simply infuriating.

However, this is a great way to save money . Especially when it comes to long-term stored goods that you are going to buy anyway. Buy now for the promotion or in a week for the full price? It seems the choice is obvious.

6. “The discount newsletter has arrived! We need to buy something while prices are cheaper.”

Although promotions can be profitable, they are primarily a tool to increase sales. That is, they were not created for your benefit. When discounts force you to buy something you didn’t intend to, it’s a bad deal. Because from the point of view of the budget, it is always better not to save, but not to spend at all.

7. “Gotta get to free shipping!”

Another tool that makes you buy more. Moreover, what was not really needed is often sent to the basket – but the delivery is free. Here banal mathematics comes to the rescue.

Let’s say delivery costs 300 rubles, but from three thousand – for free. You have chosen goods for 1,800, there are 1,200 left. You have a choice – to give 300 rubles for a service or 1,200 for an unnecessary item. Simple calculations suggest that paid delivery will save 900 rubles.

8. “Yes, I can’t afford … Maybe take a loan?”

There is nothing wrong with them, just like with any other tool. No one demonizes a shovel, although it can generally kill. But unjustified loans can definitely worsen financial affairs.

Buying on credit means you can’t afford the item. However, sometimes it is logical to borrow money for a more expensive product. For example, if you purchase a working tool or item that will significantly improve the quality of life. When it comes to so-called status purchases or entertainment, you should think twice.

9. “Six things for the price of three! I take”

The offer looks very profitable, but again we need to call on mathematics and common sense to help. Few people need six, say, pairs of shoes from one store. As a rule, as a result, a person begins to wander between the shelves in order to somehow finish off the required number of goods and get a discount.

Meanwhile, we remember that it is better not to save, but not to spend at all. So it’s more profitable to buy one or two things and calm down than to overpay for a useless third and receive a few more unnecessary ones as a gift.

10. “So everything is lazy! Let’s take a taxi home, and then we’ll order food?

It seems that everything has been said about spontaneous purchases . There are many reasons for such shopping, but the purchase of a product is almost never the goal. The real needs are different, and shopping just allows you to drown them out and become happier for a while.

But spontaneous spending is not necessarily associated with any goods. These may well be various services that are now so easy to pay through applications. As a result, minute weaknesses can result in huge sums for the budget.

11. “Of course, we take it! I have increased cashback in this category”

And again: not spending is more profitable than saving. To get cashback , you need to pay some amount. Only a part will return. Budgeting is great. Buying more for the sake of returning a certain amount is not very good, because these are not the most reasonable expenses.

12. “Not ideal, of course. But you have to buy something

It happens that a person wanders around the shops for a long time in search of a pair of shoes. Nothing suits him 100%. But such trips are tiring and time consuming, so our hero decides to buy something that is 70% suitable. And in the end, he gets trapped. On the one hand, he doesn’t really like shoes, so he doesn’t wear them or does it without pleasure. On the other hand, a happy buyer cannot buy something new, because there is almost the same pair at home. As a result, there is no money, no shoes. So half measures are often a bad option.

13. “Easy came – easy gone!”

An installation with a touch of superstition: if money did not appear as a result of hard work, then it should be spent on something useless, for pleasure. Although it is precisely such amounts that can form the basis of savings, help pay off the mortgage ahead of schedule, and generally bring a lot of benefits.

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