How To Control Spending The Psychology Behind Impulsive Purchasing

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How to Control Spending - The Psychology Behind Impulsive Purchasing

Author : Digital World
Publisher : Digital World
ISBN 13 : 1723462217
Total Pages : 72 pages
Book Rating : 4.7/5 (234 download)

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Book Synopsis How to Control Spending - The Psychology Behind Impulsive Purchasing by : Digital World

Download or read book How to Control Spending - The Psychology Behind Impulsive Purchasing written by Digital World and published by Digital World. This book was released on 2024-09-06 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: Hello everyone! I'm excited to introduce you to the fascinating world of financial psychology. In this series, we'll explore how our emotions, beliefs, and behaviors influence our financial decisions. We'll see how this understanding can transform our relationship with money and help us achieve our goals. Financial psychology studies the relationship between the human mind and money. It explores how psychological factors such as emotions, perceptions, and beliefs influence our financial decisions. It combines concepts from psychology and economics to understand financial behavior. Financial psychology isn't just about numbers and graphs. It helps us understand why we sometimes make financial decisions that don't make rational sense. By understanding the psychological mechanisms behind our decisions, we can make more informed decisions that align with our goals. Emotions such as fear, greed, and anxiety significantly influence our financial decisions. Fear of losing money can lead to conservative decisions, while greed can lead to excessive risk-taking. Hope for a better future can motivate us to save, but it can also lead us to invest in high-risk assets. Emotions are like an internal GPS that guides us in our financial decisions. However, they can lead us down a wrong path if not managed properly. By identifying and understanding our emotions, we can make more rational decisions that are aligned with our long-term goals. Cognitive biases are mental shortcuts we use to make decisions faster, but they can lead us to make mistakes. Examples of biases include loss aversion, confirmation bias, and herd behavior. How to identify and overcome these biases to make sounder financial decisions. Our brains are incredible machines, but they are also prone to making mistakes. Cognitive biases are like optical illusions that distort our perception of reality. By being aware of these biases, we can take steps to counteract their effects and make more rational decisions. Our financial habits are shaped by our experiences and beliefs. The importance of developing healthy financial habits, such as saving, investing, and planning for the future. How to create new habits and break old financial habits. Our financial habits are like paths we follow on autopilot. If we want to change our financial results, we need to change our paths. By developing new positive financial habits, we can transform our financial lives. Financial psychology offers us a new perspective on money. Instead of seeing money as an end in itself, we can see it as a means to achieve our goals and live a more fulfilling life.

Born to Spend

Author : Gloria Arenson
Publisher : T A B/Human Services Institute
ISBN 13 : 9780830621552
Total Pages : 0 pages
Book Rating : 4.6/5 (215 download)

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Book Synopsis Born to Spend by : Gloria Arenson

Download or read book Born to Spend written by Gloria Arenson and published by T A B/Human Services Institute. This book was released on 1991 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Spending money can serve much the same purpose as drinking, smoking, eating, or gambling for people searching to fill an emotional void in their lives. The simple act of buying something can be a kind of tranquilizer for compulsive spenders. Like other addictions, an obsession with shopping can be conquered with hard work and a sincere and a sincere desire to change. This book explores the psychology of overspending, and then relates the real-life stories of people who have overcome a desire to overspend, by addressing the underlying anxieties that triggered the self-destructive behaviour in the first place. The book contains a self-help program.

Guerrilla Marketing to Heal the World

Author : Jay Conrad Levinson
Publisher : Morgan James Publishing
ISBN 13 : 1630476595
Total Pages : 386 pages
Book Rating : 4.6/5 (34 download)

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Book Synopsis Guerrilla Marketing to Heal the World by : Jay Conrad Levinson

Download or read book Guerrilla Marketing to Heal the World written by Jay Conrad Levinson and published by Morgan James Publishing. This book was released on 2016-03-15 with total page 386 pages. Available in PDF, EPUB and Kindle. Book excerpt: Levinson and Horowitz show the dramatic potential for profit in not just being a green company, but in addressing the huge social problems that have stumped humankind for millennia. Instead of waiting centuries for government to get it done, business can grab the reins and accomplish more through the profit motive than through any amount of guilt-tripping. Green practices can save and make money, and deep social change can skyrocket those revenues---when marketed correctly.

To Buy or Not to Buy

Author : April Lane Benson, PhD
Publisher : Shambhala Publications
ISBN 13 : 159030599X
Total Pages : 287 pages
Book Rating : 4.5/5 (93 download)

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Book Synopsis To Buy or Not to Buy by : April Lane Benson, PhD

Download or read book To Buy or Not to Buy written by April Lane Benson, PhD and published by Shambhala Publications. This book was released on 2008-12-30 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: Simple but effective techniques and strategies for the millions of Americans who suffer from a shopping addiction—from a leading psychologist in the field Are you a shopaholic? • Do you use shopping as a quick fix for the blues? • Do you often buy things that you don’t need or can’t afford? • Do your buying binges leave you feeling anxious or guilty? • Is your shopping behavior hurting your relationships? • Have you tried to stop but been unable to? If so, you are not alone. Nearly 18 million Americans are problem shoppers, unable to break the buying habits that lead them into debt, damaged relationships, and depression. If this describes you, or someone you care about, the help you need is here. Drawing on cognitive behavioral therapy techniques, recent research, and decades of working with overshoppers, Dr. April Benson brings together key insights with practical strategies in a powerful program to help you stop overshopping. As you progress through this book, you’ll take back control of your shopping and spending and create a richer, more meaningful and satisfying life.

The Behavior Gap

Author : Carl Richards
Publisher : Penguin
ISBN 13 : 1101559551
Total Pages : 179 pages
Book Rating : 4.1/5 (15 download)

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Book Synopsis The Behavior Gap by : Carl Richards

Download or read book The Behavior Gap written by Carl Richards and published by Penguin. This book was released on 2012-01-03 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: "It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational." -From The Behavior Gap Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make. As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-"the behavior gap." Using simple drawings to explain the gap, he found that once people understood it, they started doing much better. Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind. He'll help you to: • Avoid the tendency to buy high and sell low; • Avoid the pitfalls of generic financial advice; • Invest all of your assets-time and energy as well as savings-more wisely; • Quit spending money and time on things that don't matter; • Identify your real financial goals; • Start meaningful conversations about money; • Simplify your financial life; • Stop losing money! It's never too late to make a fresh financial start. As Richards writes: "We've all made mistakes, but now it's time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn't to make the 'perfect' decision about money every time, but to do the best we can and move forward. Most of the time, that's enough."

Financial Peace

Author : Dave Ramsey
Publisher : Lampo
ISBN 13 : 9780963571236
Total Pages : 268 pages
Book Rating : 4.5/5 (712 download)

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Book Synopsis Financial Peace by : Dave Ramsey

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

The No-Spend Challenge Guide

Author : Jen Smith
Publisher :
ISBN 13 : 9781979464604
Total Pages : 98 pages
Book Rating : 4.4/5 (646 download)

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Book Synopsis The No-Spend Challenge Guide by : Jen Smith

Download or read book The No-Spend Challenge Guide written by Jen Smith and published by . This book was released on 2017-11-08 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this book you'll learn how to use No-Spend Challenges to reach your financial goals faster and transform your spending habits to finally be able to stick to a budget. Budgeting and money management are some of the hardest concepts for people to nail down. You can have all the knowledge available and suck at executing it. Jen Smith, creator of the debt freedom blog SavingWithSpunk.com went from not being able to stick to a budget longer than two weeks to paying off $78,000 of debt in less than two years. She shares her experiences and strategies using No-Spend Challenges to change her money mindset and budget like a (mostly) pro.In The No-Spend Challenge Guide you'll discover: - Why budgeting alone isn't working - The psychology behind your impulsive spending - How to pay off debt fast while still having fun - Ways to do for free what you've probably been wasting money on - Ways to save money on your financial obligations - How to make the most of your time without spending money - Discover what you valueYou'll also get a free resource guide with every recommendation in the book in one place.Whether you're paying off student loan debt, saving for your first home, or just trying to control your spending; This is a personal finance book you'll return to again and again. Scroll up and Buy Now to start mastering your budget!

Money: A User’s Guide

Author : Laura Whateley
Publisher : HarperCollins UK
ISBN 13 : 0008308322
Total Pages : 288 pages
Book Rating : 4.0/5 (83 download)

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Book Synopsis Money: A User’s Guide by : Laura Whateley

Download or read book Money: A User’s Guide written by Laura Whateley and published by HarperCollins UK. This book was released on 2018-10-04 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley.

Willpower

Author : Roy F. Baumeister
Publisher : Penguin
ISBN 13 : 1101543779
Total Pages : 272 pages
Book Rating : 4.1/5 (15 download)

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Book Synopsis Willpower by : Roy F. Baumeister

Download or read book Willpower written by Roy F. Baumeister and published by Penguin. This book was released on 2011-09-01 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the world's most esteemed and influential psychologists, Roy F. Baumeister, teams with New York Times science writer John Tierney to reveal the secrets of self-control and how to master it. "Deep and provocative analysis of people's battle with temptation and masterful insights into understanding willpower: why we have it, why we don't, and how to build it. A terrific read." —Ravi Dhar, Yale School of Management, Director of Center for Customer Insights Pioneering research psychologist Roy F. Baumeister collaborates with New York Times science writer John Tierney to revolutionize our understanding of the most coveted human virtue: self-control. Drawing on cutting-edge research and the wisdom of real-life experts, Willpower shares lessons on how to focus our strength, resist temptation, and redirect our lives. It shows readers how to be realistic when setting goals, monitor their progress, and how to keep faith when they falter. By blending practical wisdom with the best of recent research science, Willpower makes it clear that whatever we seek—from happiness to good health to financial security—we won’t reach our goals without first learning to harness self-control.

Confidence

Author : Tomas Chamorro-Premuzic, Ph.D.
Publisher : Penguin
ISBN 13 : 0142181161
Total Pages : 273 pages
Book Rating : 4.1/5 (421 download)

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Book Synopsis Confidence by : Tomas Chamorro-Premuzic, Ph.D.

Download or read book Confidence written by Tomas Chamorro-Premuzic, Ph.D. and published by Penguin. This book was released on 2014-10-28 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: “I can’t remember the last time I finished reading a book and wanted to applaud…. Life-changing.”—Heidi Grant Halvorson, PhD, author of Focus If you picked up this book because you want to increase your confidence, you are not alone. Like most people, you probably think that being highly confident would make you more likable, more employable, and more successful. But you’d be wrong. In this paradigm-shifting book, world-renowned personality expert Dr. Tomas Chamorro-Premuzic reveals that, beyond making you feel good, high confidence has no genuine benefits, and it may even be self-destructive. Low confidence, however, helps us make realistic risk assessments, protects us from disastrous situations, and encourages us to become more competent—which is the real key to achievement. Intelligent and thought-provoking, Confidence shows you how to make your insecurities work for you in every facet of life. “Maybe you have always intuited…that all the talk about boosting self-confidence and raising self-esteem is not the answer to success or happiness. This charming and thoroughly fact-based book will give you the evidence to back your wisdom, that being kind and competent works best.”—Elaine Aron, PhD, author of The Highly Sensitive Person and The Undervalued Self

The Oxford Handbook of Impulse Control Disorders

Author : Jon E. Grant
Publisher : Oxford University Press
ISBN 13 : 0195389719
Total Pages : 592 pages
Book Rating : 4.1/5 (953 download)

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Book Synopsis The Oxford Handbook of Impulse Control Disorders by : Jon E. Grant

Download or read book The Oxford Handbook of Impulse Control Disorders written by Jon E. Grant and published by Oxford University Press. This book was released on 2012 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research in the area of impulse control disorders has expanded exponentially. The Oxford Handbook of Impulse Control Disorders provides researchers and clinicians with a clear understanding of the developmental, biological, and phenomenological features of a range of impulse control disorders, as well as detailed approaches to their treatment.

Behavioral Addictions

Author : Nancy M. Petry
Publisher : Oxford University Press, USA
ISBN 13 : 0199391548
Total Pages : 257 pages
Book Rating : 4.1/5 (993 download)

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Book Synopsis Behavioral Addictions by : Nancy M. Petry

Download or read book Behavioral Addictions written by Nancy M. Petry and published by Oxford University Press, USA. This book was released on 2015-09-02 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explains the rationale for changes in the DSM-5(R) related to incorporating behavioral addictions alongside substance use disorders; it also illuminates the significance of including the construct of behavioral addictions in this widely used psychiatric diagnostic manual. The chapters herien describe eight behaviors often considered addictions, including gambling disorder, internet gaming disorder, internet addiction, food addiction, hypersexuality, shopping addiction, exercise addiction, and tanning addiction. Also examined are prevalence rates in epidemiological samples, risk factors, and promising treatment approaches. The result is an easy-to-use resource and guide for clinicians, students, and researchers.

Mind over Money

Author : Brad Klontz
Publisher : Crown Currency
ISBN 13 : 0385531036
Total Pages : 275 pages
Book Rating : 4.3/5 (855 download)

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Book Synopsis Mind over Money by : Brad Klontz

Download or read book Mind over Money written by Brad Klontz and published by Crown Currency. This book was released on 2009-12-29 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you overspend? Undersave? Keep secrets about money from a spouse or family member? Are you anxious about dealing with your finances? If so, you are not alone. Let's face it–just about all of have complicated, if not downright dysfunctional, relationships with money. As Drs. Brad and Ted Klontz, a father and son team of pioneers in the emerging field of financial psychology explain, our disordered relationships with money aren’t our fault. They don’t stem from a lack of knowledge or a failure of will. Instead, they are a product of subconscious beliefs and thought patterns, rooted in our childhoods, that are so deeply ingrained in us, they shape the way we deal with money our entire adult lives. But we are not powerless. By looking deep into ourselves and our pasts, we can learn to recognize these negative and self-defeating patterns of thinking, and replace them with better, healthier ones. Drawing on their decades of experience helping patients resolve their troubling issues with money, the Klontzes and describe the twelve most common “money disorders” - like financial infidelity, money avoidance, compulsive shopping, financial enabling, and more — and explain how we can learn to identify them, understand their root causes, and ultimately overcome them. So whether you want to learn how to make better financial decision, have more open communication with your spouse or kids about the family finances, or simply be better equipped to deal with the challenges of these tough economic times, this book will help you repair your dysfunctional relationship with money and live a healthier financial life.

The No Spend Year

Author : Michelle McGagh
Publisher : Coronet
ISBN 13 : 9781473652156
Total Pages : 0 pages
Book Rating : 4.6/5 (521 download)

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Book Synopsis The No Spend Year by : Michelle McGagh

Download or read book The No Spend Year written by Michelle McGagh and published by Coronet. This book was released on 2018-01-11 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Personal finance journalist, Michelle McGagh, takes on a challenge to not spend money for a whole year in an engaging narrative that combines personal experience with accessible advice on money so you can learn to spend less and live more. Michelle McGagh has been writing about money for over a decade but she was spending with abandon and ignoring bank statements. Just because she wasn't in serious debt, apart from her massive London mortgage, she thought she was in control. She wasn't. Michelle's took a radical approach and set herself a challenge to not spend anything for an entire year. She paid her bills and she has a minimal budget for her weekly groceries but otherwise Michelle spent no money at all. She found creative ways to live have a social life and to travel for free. She has saved money but more importantly she is happier. Her relationship with money, with things, with time, with others has changed for the better. The No Spend Year is Michelle's honestly written and personal account of her challenge. But it is more than that, it is also a tool for life. There are top tips for your own finances including easy to understand advice on interest, mortgages, savings , pensions and spending less to help you live a more financially secure life.

The Year of Less

Author : Cait Flanders
Publisher : Hay House, Inc
ISBN 13 : 1401953514
Total Pages : 217 pages
Book Rating : 4.4/5 (19 download)

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Book Synopsis The Year of Less by : Cait Flanders

Download or read book The Year of Less written by Cait Flanders and published by Hay House, Inc. This book was released on 2019-01-15 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Year of Less In her late twenties, Cait Flanders found herself stuck in the consumerism cycle that grips so many of us: earn more, buy more, want more, rinse, repeat. Even after she worked her way out of nearly $30,000 of consumer debt, her old habits took hold again. When she realized that nothing she was doing or buying was making her happy—only keeping her from meeting her goals—she decided to set herself a challenge: she would not shop for an entire year.The Year of Less documents Cait’s life for twelve months during which she bought only consumables: groceries, toiletries, gas for her car. Along the way, she challenged herself to consume less of many other things besides shopping. She decluttered her apartment and got rid of 70 percent of her belongings; learned how to fix things rather than throw them away; researched the zero waste movement; and completed a television ban. At every stage, she learned that the less she consumed, the more fulfilled she felt.The challenge became a lifeline when, in the course of the year, Cait found herself in situations that turned her life upside down. In the face of hardship, she realized why she had always turned to shopping, alcohol, and food—and what it had cost her. Unable to reach for any of her usual vices, she changed habits she’d spent years perfecting and discovered what truly mattered to her.Blending Cait’s compelling story with inspiring insight and practical guidance, The Year of Less will leave you questioning what you’re holding on to in your own life—and, quite possibly, lead you to find your own path of less.

Money-Smart Solopreneur

Author : Laura D. Adams
Publisher : Entrepreneur Press
ISBN 13 : 1613084331
Total Pages : 228 pages
Book Rating : 4.6/5 (13 download)

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Book Synopsis Money-Smart Solopreneur by : Laura D. Adams

Download or read book Money-Smart Solopreneur written by Laura D. Adams and published by Entrepreneur Press. This book was released on 2020-09-22 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Build Your Business and Your Financial Future As a solopreneur, you can reinvent the way you work with much more freedom, fun, and financial security. There’s never been a better time to earn more money by starting a full- or part-time solo venture. But being your own boss can be a challenge or feel scary when you don’t have a roadmap. In Money-Smart Solopreneur, Laura D. Adams answers questions every aspiring and new entrepreneur has about creating a business and building a secure financial future. It's a complete guide for what to do, critical mistakes to avoid, and how to start a solo business without taking too much risk. You'll get answers to these common questions: Can I get started without any filings or paperwork? Do I need a business bank account? How can I budget and reach goals with an irregular income? What business entity is best? When should I incorporate? How do I protect my intellectual property? When do I need an accountant? How can I figure out how much to charge clients? What tax deadlines am I required to meet? Do I need a business license? When should I leave my day job? Which tools are worth paying for? No matter if you're a freelancer, independent contractor, or side-hustler in the on-demand economy, you'll get essential knowledge, tools, and inspiration to live a successful solopreneur life. Laura D. Adams demystifies how to start and build any solo or small business. She covers legal, financial, and tax issues you must know to stay out of trouble. Her upbeat tone and approach for managing variable income, using an automatic money system, and creating a self-employed benefits package are just a few gems you'll discover. Laura's smart tips and chapter exercises include refreshing strategies for earning more, managing the unexpected, and reaching financial goals. You'll come away empowered to build your full- or part-time solo business and create long-lasting financial security. After reading Money-Smart Solopreneur, you'll be able to: Earn full- or part-time self-employed income with confidence. Refine your business and brand vision. Evaluate the pros and cons of working as a solopreneur. Create a strategy to exit a day job by building a business on the side. Turbocharge your productivity using pro tips. Create a financial safety net and leapfrog to the life you want. Organize and legally protect your business using simple techniques. Set higher rates, create better proposals, and negotiate wisely. Save money by operating a home-based business. Set up an automatic money system to achieve goals and build wealth.

I Shop, Therefore I Am

Author : April Lane Benson
Publisher : Jason Aronson
ISBN 13 : 9780765702425
Total Pages : 576 pages
Book Rating : 4.7/5 (24 download)

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Book Synopsis I Shop, Therefore I Am by : April Lane Benson

Download or read book I Shop, Therefore I Am written by April Lane Benson and published by Jason Aronson. This book was released on 2000 with total page 576 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume examines a rapidly emerging public health problem, compulsive buying disorder, characterized by an obsession with shopping and buying behavior that causes adverse consequences. The editor defines the syndrome of compulsive consumption, examines the range and variations within it, discusses assessment and associated disorders, and delineates successful treatment modalities. It offers insights from a broad spectrum of therapies: psychopharmacology, psychodynamic therapy, cognitive-behavioral treatment, couples and group therapy, self-help, and financial counseling.