How to Avoid Emotional and Impulsive Credit Card Spending

Emotional credit card spending is typically the habit of charging your credit card to make yourself better or the tendency to charge your credit card not because she needs to but as a result of some emotional need such as when you are out with your family and friends.

It is common that shopping makes people feel good. Emotional credit card spending happens when you see the thrill of using a credit card and buying something credit rather than buying something because you need it. It is a classic case of getting something for nothing because paying my credit card gets is something for which you have to worry about paying only days later. Emotional spending results in shopping without thinking about consequences and making yourself feel better through instant accreditation. The biggest realization that a person needs to have to avoid emotional spending is that even if you don’t have to pay now you will have to pay eventually.

Use These Following Simple Tips to Avoid Emotional Credit Card Spending.

Try and do something else that makes you feel good besides charging your credit card. There are surely has to be in other activities that you enjoy other than shopping and charging your credit cards to make you feel better. Go out, visit a friend, take a walk or go for a workout instead.

Don’t shop to compete. If you are out with friends or family and you feel the need to shop simply to compete and filling up just as many shopping bags as them, then the odds are that you are doing some very impulsive and emotional credit card shopping. Just because your friends are shopping does not mean that you have to keep up with them.

Don’t just buy because you’re there. Just because you are in a store doesn’t mean that you need to buy something. Sometimes you can pressurize yourself by making things a few interesting for yourself by buying something or the salesperson present in the store might tempt you to buying something. Do not succumb to temptation. There is still something called window shopping.

Do not under any circumstances shop when you’re stressed, sad, angry, bored, frustrated or having a bad day. Many people may take the easy way out and try making themselves feel good by throwing the consequences out of the window and doing some impulsive shopping on the credit card.

The first step in stopping impulsive credit card shopping is to recognize the symptoms. Only when you have been able to admit the problem to yourself will you be able to fix it.