What are the familiar pitfalls of consumerism?

First, it is loss aversion, which means that people are more sensitive to loss than they can get. The most typical of this routine is: how many people think that it is more cost-effective to wrap things than not to wrap things, and the reason lies in the price.

Second, the rivet effect. For example, e-commerce platforms often offer discounts.

There are all kinds of coupons, and everyone will find them very cheap. Some even think that it doesn't matter whether it works or not. If you don't buy it, you will lose money. This situation is a typical rivet effect.

Third, this is called Maxwell's law, and if you buy cream online, it will show how many tablets are still in stock, which often stimulates consumers' impulse to snap up or kill seconds, so many platforms are talking about killing seconds now.

Fourth, it is called birdcage effect, which is even more vicious. For example, if you buy a pajamas, you will feel that my pajamas seem to be out of place with the furniture, and then you will change the carpet, sofa and dining table accordingly, completely changing the layout of the room, which is more expensive.

Fifth, herd mentality, what many netizens used to bask in, the first cup of milk tea in autumn, the hotter this topic is, the more attractive it is to buy milk tea. But in fact, many people don't drink milk tea, he just wants to bask in friends.

So how can we avoid into the pit? Give you a few tips.

First, budget and reasonable consumption.

In order to control expenditure and spend money on the cutting edge, consumption needs to be rationalized. If you want to rationalize consumption, it is natural to make a good family budget first, otherwise you can control consumption through consumption overdraft income.

At this time, we have to set a consumption budget for ourselves. Making a consumption budget and controlling consumption desire intuitively and rationally may encounter difficulties at first, but if you persist for a period of time, your consumption desire may decrease, and making a budget will save you money. Of course, this also requires strong self-control. After all, there are too many ways to spend in advance now, so you need to remind yourself at all times.

Second, consider the personal needs of goods before consumption.

Everyone may have suffered losses from supermarket promotions, shopping malls or barbershops, so we must consider the demand for this product before consumption. Don't pay for goods that can't provide you with use value, which is often a waste of money. If you want to save money, you must do your homework before shopping.

To avoid the trap of consumerism, we should fundamentally distinguish what we want from what we need, buy what we need instead of what we want when shopping, do rational shopping and spend more money than we should.

How to make a budget? According to our consumption situation for a period of time, make a careful analysis of all aspects of our lives, and here we also advocate that everyone can have a good habit of keeping accounts.

It is suggested that our monthly budget should not exceed the monthly budget target controlled by the year, and the monthly consumption should not exceed the budget amount. In this way, if we always make a budget and consume reasonably, we will directly avoid excessive consumption.