So girls just wanna have fun..
but how much fun you get spending money, buying things.. sometimes you buy things that you don't even need.
You don't know?
So below will just tell you what kind of buyer you are..
What How You Spend Money Reveals About You
There's no doubt about it...teenage girls today are spending more money than ever before. Because of their allowances, part-time jobs and gifts, because many parents hand out dollars regularly, because they assume greater responsibility for household shopping than the generations before them, teens are big spenders. Problems arise, however, when the extent of your knowledge about money is totally focused on how to spend it.
Statistics seem to support the theory that this is changing. More than nine out of ten teens are involved in a financial transaction (spending or earning) every week. Sixty nine percent have savings accounts. Seventeen percent own stocks or bonds. Twenty one percent have checking accounts. Nearly a third of all 18 year olds have a credit card in their own name. One hundred percent are learning that living within your means leads to contentment; debts you cannot pay lead to discouraging disheartenment.
Picture a jar with sand that represents all your financial responsibilities...your bills, your debts, the amount you owe. Then picture another jar with ping-pong balls. Imagine that represents your desires...anything you crave...those shoes, that new CD, that new moisturizer. If you try to put the ping-pong balls into the jar of sand, it won't work. Putting what we want first wouldn't always leave enough room for our responsibilities. But see what happens if you pour the sand into the jar of ping-pong balls...the sand fills the cracks and all fit together nicely. If we take care of our obligations first, we should have enough left over to have a little fun.
What kind of spender are you? See if you can find yourself in these "dysfunctional" shopping styles..
1. The impulsive buyer buys on a whim and is easily seduced into purchasing whatever catches her eye. She lacks self-control and clear priorities for spending. To deal with this problem, she must practice "out of sight, out of mind" and walk away. If that doesn't help, she should at least price the item in three places. It'll slow her down enough to rethink the purchase. Entering the store with predetermined spending priorities is also helpful.
2.The fanatical shopper spends way too much time trying to find the lowest price, regarding the whole experience as a win/lose battle. She might buy something she doesn't really want, just because it's on sale, or settle for inferior quality just to save a few dollars. She must learn to value her time and energy and not carry her frugality to such extremes.
3.The passive buyer dislikes shopping, never asks questions, never comparison shops and can be easily talked into buying by anyone. She insists she's too busy, puts a low priority on shopping wisely, and tends to blame others for her inevitable shopping mistakes. What she has to realize is that it's OK not to know everything. Drawing up a pro and con list might be helpful.
4.An avoidance shopper goes to the mall to escape from the stresses of life. She may buy items out of guilt, revenge or an attempt to show affection she can't show otherwise. What she has to do is face the facts and develop coping mechanisms, other than shopping, to handle her stress. She might find physical activities to be especially good at diffusing her stress.
5. An esteem buyer buys impressive labels at fancy stores (never discount shops), to show off. This no-no is tied with impulsive buying as the number one spending personality mistake among teens. This woman has to learn to buy for her own values. She has to want the product, not the label, the store or the charisma. One of the best ways to feel good about yourself is to take charge of your life. Buying things based on your own needs and values is a beginning.
6.The overdone buyer pursues a hobby, a collection or an activity to the point of financial problems. Whether it's shoes or stuffed animals, this is an addiction that can be serious. Like any addiction, she must first recognize and admit the problem, then cut back and develop other interests. This is a powerful personality tendency that can do so much good if refocused.
So now you know what kind of buyer you are. ...
but how much fun you get spending money, buying things.. sometimes you buy things that you don't even need.
You don't know?
So below will just tell you what kind of buyer you are..
What How You Spend Money Reveals About You
There's no doubt about it...teenage girls today are spending more money than ever before. Because of their allowances, part-time jobs and gifts, because many parents hand out dollars regularly, because they assume greater responsibility for household shopping than the generations before them, teens are big spenders. Problems arise, however, when the extent of your knowledge about money is totally focused on how to spend it.
Statistics seem to support the theory that this is changing. More than nine out of ten teens are involved in a financial transaction (spending or earning) every week. Sixty nine percent have savings accounts. Seventeen percent own stocks or bonds. Twenty one percent have checking accounts. Nearly a third of all 18 year olds have a credit card in their own name. One hundred percent are learning that living within your means leads to contentment; debts you cannot pay lead to discouraging disheartenment.
Picture a jar with sand that represents all your financial responsibilities...your bills, your debts, the amount you owe. Then picture another jar with ping-pong balls. Imagine that represents your desires...anything you crave...those shoes, that new CD, that new moisturizer. If you try to put the ping-pong balls into the jar of sand, it won't work. Putting what we want first wouldn't always leave enough room for our responsibilities. But see what happens if you pour the sand into the jar of ping-pong balls...the sand fills the cracks and all fit together nicely. If we take care of our obligations first, we should have enough left over to have a little fun.
What kind of spender are you? See if you can find yourself in these "dysfunctional" shopping styles..
1. The impulsive buyer buys on a whim and is easily seduced into purchasing whatever catches her eye. She lacks self-control and clear priorities for spending. To deal with this problem, she must practice "out of sight, out of mind" and walk away. If that doesn't help, she should at least price the item in three places. It'll slow her down enough to rethink the purchase. Entering the store with predetermined spending priorities is also helpful.
2.The fanatical shopper spends way too much time trying to find the lowest price, regarding the whole experience as a win/lose battle. She might buy something she doesn't really want, just because it's on sale, or settle for inferior quality just to save a few dollars. She must learn to value her time and energy and not carry her frugality to such extremes.
3.The passive buyer dislikes shopping, never asks questions, never comparison shops and can be easily talked into buying by anyone. She insists she's too busy, puts a low priority on shopping wisely, and tends to blame others for her inevitable shopping mistakes. What she has to realize is that it's OK not to know everything. Drawing up a pro and con list might be helpful.
4.An avoidance shopper goes to the mall to escape from the stresses of life. She may buy items out of guilt, revenge or an attempt to show affection she can't show otherwise. What she has to do is face the facts and develop coping mechanisms, other than shopping, to handle her stress. She might find physical activities to be especially good at diffusing her stress.
5. An esteem buyer buys impressive labels at fancy stores (never discount shops), to show off. This no-no is tied with impulsive buying as the number one spending personality mistake among teens. This woman has to learn to buy for her own values. She has to want the product, not the label, the store or the charisma. One of the best ways to feel good about yourself is to take charge of your life. Buying things based on your own needs and values is a beginning.
6.The overdone buyer pursues a hobby, a collection or an activity to the point of financial problems. Whether it's shoes or stuffed animals, this is an addiction that can be serious. Like any addiction, she must first recognize and admit the problem, then cut back and develop other interests. This is a powerful personality tendency that can do so much good if refocused.
So now you know what kind of buyer you are. ...
posted by Edwina at
4:11 PM
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