Credit card bills are one of the most shocking things in this world. Before you know it, you’re already in big debt.
Credit cards made shopping so easy because you don’t have to bring a lot of cash with you to buy some expensive goods. Also, credit cards made online shopping more convenient for both the buyer and the seller. Just swipe it and “chaching!” you’re already paid.
But did you know that putting your credit card near your computers will affect your bill? This is not because of the radiations between the computer and the magnetic film of the credit card. This is because when your credit card is near your computer, you may tend to buy and buy and buy things in the internet. It is so easy to spend when you cannot see how much you spend.
It is better to put it in a place away from the computer so that when you are about to buy something, it will take you time to go and get the card – this will make you think twice if you really need to buy that item (laziness can sometimes be useful in saving). This technique is not effective for those who memorized all of their cards’ data.
The internet actually let you have a window shopping without leaving the comfort of your own home (and save a bit of gas) – and it’s a good thing. But shopping online may not be healthy for your personal finance. There are sites when you have to meet the seller to talk about the item, have negotiations with the price then have a deal – this more suggestible. Or you may have cash-on deliveries. Always pay in cash if possible.
This is the worst place to put your credit card on. Putting your credit cards on your wallet has the highest risk of spending more than your allocated budget for shopping. If you always had your credit card in your wallet, don’t be surprised when you see your bill. Spending without releasing any cash out of your wallet will make you feel like you spend less – it blinds you.
Somebody Else’s Wallet
This may be a better place to put your card but, why would you put your credit card on somebody else’s wallet? (Just kidding, I’m referring to a partner, a wife or best friend of yours). If you are with a partner or you know someone that is trustworthy and much better in saving than you, better to give them your credit card when you are in a mall. This is not for them to use it, but for you to control your use of it. Just be sure of the person. He/she should be wiser than you are and not the one who will push you to buy more.
If you are Shopping Alone
You may leave the credit card on the car and bring some cash instead. Don’t leave it at home for you may have emergency need of it. Bring it with you but not so near to you.