over indulgence

Crazy, is not it, that we purchase or consume what we don’t actually need?

I have often wondered how is it possible that just minutes after I have said to myself, “NO, Joan, you do not need that!” There I’d be buying it and bringing it home!

Free stock photo of fashion, person, sunglasses, woman

I am pretty sure I was totally obvious.

What is with that?

What is it that’s us wanting stuff that’s truly not great for us, holds no real purpose, and goes against the very thing we do not need? Perhaps even harms our financial objectives.

That’s a question I’ve asked many times over the years since I advised folks on money behaviour. They would make a terrific strategy to follow, absolutely clear on what they were going to perform. But by their next appointment, only a few weeks apart, they would have done precisely the opposite of what they planned.

Why did they sabotage the many dedicated and clear targets and plans that they created?

Not to mention, together with an unplanned purchase, came a flurry of additional purchases they did not need.

Costly items that they had not even planned to purchase.

Was it the act of producing a plan? Did the program feel like limit or deprivation?

Fantastic question. A question where there are many answers. However, for now, let us focus on both sabotages I see most often when we do the contrary of what we planned to perform.

Let us use the example of producing a PLAN. Whether that’s a written financial plan or an affirmation you made on your own, let us look at what happens when we do this.

We do not really believe it. The main reason is that most often when we create a plan, aim, or affirmation, we tend to choose things we believe we SHOULD do or not do — the behaviours we would like to change that we aren’t delighted with — and hang our hats on those. And, though we really need to change things up, we do not truly believe it. Yet…

We insist we could do it. Whether to spend less, save more, or not eat that food that is banned, we set our sites on attaining this change. Despite the fact that, as stated previously, we do not truly believe we could. But then…

Or, your very best friend got one. Or, you saw a terrific promotion on tv about it.

NOW you need to have it. You convince yourself you want it. Despite the fact that it totally sabotages your strategy.

You say to yourself, “Who knew I’d want that if I left my plan?

Thus, you ignore your strategy and you get it anyway. You convince yourself that you can’t live without it. And, the explanations and reasons pour forth.

But, comes the next sabotage…

As soon as you’ve purchased a brand new thing (yes, that buy you’d no idea you wanted), suddenly everything else looks shabby or forlorn in contrast.

The new deck furniture today needs new cushions, a trendy outdoor rug to set off it and an awning for shade.

These reactive purchases, the desire to purchase new items to match what you just purchased, is referred to as the “Diderot Effect.” The natural tendency to accumulate, add, update, Daytona Beach Rat Removal, or build upon what you purchased.

How do we overcome both of these aspects which sabotage the best of intentions, plans, or goals?

There are many methods to overcome those sabotages, like reducing your exposure to what pushes your buttons, possibly a 30 day period (or more) without purchasing anything new, or when you purchase one, you eliminate one.

Take your choice, mix it up.

Just bear in mind that this very simple fact — “… wanting is only an alternative your mind supplies, not an order you need to follow.”

Just because it pops up as something you unexpectedly WANT, it’s only an option you don’t have to follow.

Oh, and incidentally, this doesn’t just apply to your currency behaviour. Keep your eyes and consciousness open to how it shows up in different behaviours like your diet!

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