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Confession of an ex-Shopaholic
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Edited by green~tea at 28-9-2020 03:03 PM
Dalam keghairahan i shared about retirement plan, tips utk savings, financial hierarchy... actually i pun masih struggling utk eliminate habit shopaholic i ni...
i pernah faced financial difficulties in 2017, sewaktu undergoing my divorce case kat court... ada 5 files kat court masa tu... masa i bercerai tu lah, waktu i baru nak sedar i dont even have "proper" liquid savings.... and i takde orang yang i boleh rely utk bantu i menghadapi financial difficulties... lawyer fee i rm30k, bg i that's a huge amount... and at same time, resort i nak kena tambah perabot/ buat refurbishment... nak kena pakai duit lagi.. pastu at that same time i kena "kelepet" dgn kawan baik i yang pinjam berpuluh ribu tp tak bayar pun sampai skang...
to make matters worse, i was a shopaholic!!! i stress dgn rumahtangga i masa tu, and i have 3 credit cards yang maxed... satu CIMB, satu Maybank, satu AEON (buat beli groceries).... duit gaji i masa tu mmg hauk lah, sbb i mmg menanggung installment bulanan rumah landed in KL (sejak 2011) and kereta (sejak 2015).. both rumah & kereta commitment ni je dah RM4k sebulan...
semua "financial" burden yang i listed above tu all happen at the same time.. mmg can u imagine how i jatuh terduduk in 2017...
being a shopaholic, its NEVER easy to overcome it... bila u shopaholic, u became a hoarder automatically.... so apa i buat untuk sembuh???
1. buang / let go semua barang2 yang i rarely used... walau i sakit hati tengok barang2 itu di let go kat orang, but trust me, it creates kelapangan di dalam hati... and it reduces your "addiction" to buy things...
2. hapuskan hutang kad kredit... i buat 1 personal loan with low interest for 3 yrs utk settle all credit card debts... now i only have 1 credit card maybank and disebabkan pengurusan financial i bagus, they upgraded me to premium credit card (the black card club), and i always make sure to pay all the statement balance every month.. use credit card wisely, gunakan sahaja kelebihan offerings yang diberikan oleh CC. consult your bank financial advisor utk tahu kelebihan apa yang diorang bagi....
3. jadi pengguna bijak... why pay more for the marketing campaign? i pakai drugstore skincare yang bagus.. contoh Olay Retinol night cream RM60 sebekas, which is SAMA formulation dengan SK-II cream yang berharga ribuan sebekas... i studied skincare ingredients di www.beautypedia.com
4. have good financial planning.. boleh refer kat thread dunia wanita "Berapa simpanan korang harini" atau Borak "persiapan untuk retirement" .. setiap kali i dah achieve savings target, atau selepas memenuhkan satu-satu fund, i akan create new goal supaya i sentiasa motivated untuk savings and avoid beli barang merapu....
so, i've shared mine, cara2 i pulih dari penyakit shopaholic... though am still struggling with old habit, but i will continue to fight this...
How about you guys/girls???? How do you control/ overcome it?
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another tips yang I rasa sangat berkesan is NEVER install online shopping apps... macam LAZADA or SHOPEE or anything lah…. kalo I nak pun, I akan install LAZADA and buy the things I need in bulk sbb murah (contoh supplement L-Carnitine utk I workout). lepas beli uninstall balik… I never save my CC or online shopping details dalam apps tu... remove payment options...
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Edited by green~tea at 28-9-2020 03:19 PM
Shopaholics shop compulsively and may feel they have no control over their behavior.
Up to 6-12 percent of Americans are shopaholics and that number is likely to increase.
Psychologists call it Compulsive Buying Disorder.
There are several types:
- Compulsive; shop when they are feeling emotional distress
- Trophy; always shopping for the perfect item
- Image; Want to appear to be a big spender; love flashy items
- Bargain seekers; who purchase items they don’t need because they are on sale
- Bulimic; a vicious cycle of buying and returning
- Collectors; who don’t feel complete unless they have one item in each color or every piece of a set
7 signs of shopoholics:
- Unopened or tagged items in your closet
- Purchases you don’t need or didn’t plan to buy
- Uncomfortable emotions spark an urge to shop (Compulsive shopping is an attempt to fill an emotional void)
- A rush of excitement when you buy. (Dopamine, a brain chemical associated with pleasure, is often released in waves as you consider buying an item you like. This excitement can become addictive.)
- Purchases are followed by feelings of remorse.
- You try to conceal your shopping habits.
- You feel anxious on the days you don’t shop.
The short-term effects of a shopping addiction may feel positive. However, happy feelings are often mixed with anxiety or guilt. The long-term effects may include financial problems and personal relationships may suffer and isolation may occur.
Depression and Shopping
Nearly two-thirds of all shopaholics struggle with depression or anxiety. In order to effectively treat your shopping addiction, address both aspects of your addiction: Dual Diagnosis: Substance Abuse and Shopping |
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i delete semua apps just install cariforum je. |
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wowww semoga bermanfaat 
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Terima kasih belikan iols Olay Retinol dan lain2 cream, lip pallete jujur terkujut dan berterima kasih
I belum overcome my addiction sebab perlu mengisi kesunyian dengan kesenangan. Cuma I masih mampu avoid hutang dan bertanggung jawab bayar komitmen dan hutang
My next move is to cash out on entiti yang mendatangkan kerugian bisnes dengan sengaja. Six figures tak banyak kan
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Author |
Post time 28-9-2020 03:47 PM
From the mobile phone
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KIM.K replied at 28-9-2020 03:45 PM
Terima kasih belikan iols Olay Retinol dan lain2 cream, lip pallete jujur terkujut dan berterima kas ...
Appoooooo 6 figures tak banyak??? Sila lahhhh cash out that asset soonest possible.... |
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Author |
Post time 28-9-2020 03:48 PM
From the mobile phone
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KIM.K replied at 28-9-2020 03:45 PM
Terima kasih belikan iols Olay Retinol dan lain2 cream, lip pallete jujur terkujut dan berterima kas ...
Sejujurnya.. iols suka tengok kulit u improved.... semoga istiqomah ya kim..... kita pakai drugstore brand pun dah boleh santekkk |
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green~tea replied at 28-9-2020 03:48 PM
Sejujurnya.. iols suka tengok kulit u improved.... semoga istiqomah ya kim..... kita pakai drugsto ...
Terima kasih..sebelum datang kl i tengok muka kat cermin mmg tua. Masa tu taktau apa nak buat. Olay saves me
I doakan akak selalu mewah dan bahagia, apa2 je yang mendatang semua jadi keuntungan untuk you. Semua kerja jadi wangi dan orang sayang xoxo
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CiliPadiSedap replied at 28-9-2020 03:52 PM
sis kena scam ke?
I kena fitnah so Im not done yet |
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kes cariforum ke luar? takpe. bawa mahkamah. kalau forumer tu sista vokuru. kaka ada alamat rumah dia kt sungai golok
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teringat kat sorg kwn merangkap ejen insuran anak2 saya, dia pakai kredit kad sampai 7 dan semuanya dah penuh limit, tak tau la apa jadi kat dia pasal lepas 2 tahun tetiba saya dpt notis yg ejen insuran saya dah bertukar pada manusia lain |
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Author |
Post time 28-9-2020 05:01 PM
From the mobile phone
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c===8 replied at 28-9-2020 04:38 PM
teringat kat sorg kwn merangkap ejen insuran anak2 saya, dia pakai kredit kad sampai 7 dan semuanya ...
Uiiii takut nya dengarrrr.... ni kalo rupa cenggini lifestyle mmg hidupku matiku, hanya utk bayar hutang je lahhh |
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Author |
Post time 28-9-2020 05:02 PM
From the mobile phone
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Edited by green~tea at 28-9-2020 05:04 PM
CiliPadiSedap replied at 28-9-2020 04:17 PM
kes cariforum ke luar? takpe. bawa mahkamah. kalau forumer tu sista vokuru. kaka ada alamat rumah ...
Hahahahahahhaha..... lawak....
Tp civil cases mcm ni biasa nak bukak file pun makan duit minimum 10k just to open file... pastu all court proceedings bla2... senang2 kena ongkos 20k lagi bayar civil lawyer....
Syariah cases murah sikit cost open filing... rm2k per file... lepas tu gedebuk gedebak habis laa 30k... and this depend pada reputasi lawyer tu, kalo takde title, 30k, kalo lawyer title dato harus 80k.... i mmg ambil lawyer biasa2 je, sbb yang penting pengetahuan teknikal |
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 skrng ni mcm2 kan kes saman. moga urusan sista kim kardashian dipermudahkan. cuma pastikan yg di saman berduit kalau tak, xpulang modal. sista vokuru ada rumah rakit kt sungai golok. kalau tanya valuer dua kupang satu kaki persegi. plus minus boleh lah value dalam rm60 lepas beli kfc barrel kentang putang besar.
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CiliPadiSedap replied at 28-9-2020 06:06 PM
skrng ni mcm2 kan kes saman. moga urusan sista kim kardashian dipermudahkan. cuma pastikan y ...
Amboi. Tak semestinya saman cuma semua ni ada cas masing2.
Tak kan aku nak bagi free masa depan diorg pasni. Sila la bayar |
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I bukan shopaholic. And try not become one hehe. Tp suka lah baca sharing ni. And im interested part baca olay retinol tu, nak try lah, esok gak I pi Watson. Cuma i skg minat pada konsep sustainable living, jd maybe lagi kurang nak membeli, nt nak belajar buat sabun sendiri guna used cooking oils, nak buat edible garden...alamak lari topik ke aha |
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Author |
Post time 28-9-2020 08:37 PM
From the mobile phone
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paiayam replied at 28-9-2020 08:07 PM
I bukan shopaholic. And try not become one hehe. Tp suka lah baca sharing ni. And im interested part ...
Olay retinol tu beli time sale rm60 je... time biasa rm104... and krim ni kena pakai malam sahaja sbb retinol is sensitif to sunlight, less berkesan, easily oxidise to sunlight... siang hari u wajib pakai spf ya.... preferably spf50 |
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i bukan jenis shopaholic tapi jenis apa benda i suddenly nak mesti kena dapat walau apa pun cara. biasanya kejadian ini berlaku setahun dua tiga kali. dan tahun ni i beli handbag gucci dan macbook seketul.
sedangkn baru tahun lpas i beli microsoft surface.
selagi x beli dia macam rasa tak senang duduk. tak bole function langsung. termimpi2.
luckily these two item i bole return after purchase. i x bukak pun. just bayar, bawak balik dan return next day. |
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Post time 28-9-2020 03:00 PM
变色卡
