Consumers have so much to deal with at the store. From deciding between what they need and what they want to comparing prices across the board, it can become so overwhelming. Add to the mix, schemes and scams that take our hard-earned money, it’s a wonder people are still shopping at all. There are also some powerful mental tricks that consumers must deal with during a day of shopping.

Here is some of the mind-bending money matter that getcha’ all of the time. Learn about them and then learn how to avoid them.

1. Show Me the Bargain

Imagine you are looking to buy a house. The nice real estate lady shows you several houses that cost $300,000. The next several house she brings you to visit cost $100,000. You mind automatically processes the “bargain” deal you are getting with the latter homes and you fall for the cheaper prices without doing your homework. Our minds tend to hang on to the first price we hear as the comparable price without researching other options.

2. Misplaced Money Myths

Imagine you have an old car. It breaks down every week and you just keep sinking more and more money into getting it fixed instead of facing reality. Allocating more money into something that you should have walked away from is a money mess. While it’s a nice feeling to know you own your car outright, it doesn’t prove rational to keep driving a deathtrap instead of buying a more reliable, safer car.

3. The Instant Satisfaction Factor

Imagine the times in your life you have come up with idea you just had to do right away such as take a vacation, get a bigger television, or make a daily trip to the coffee shop. For most people, saving up money is hard to do. It feels better to just go out and get what you want – that is, until you actually do it. After the initial thrill, you may feel guilty for not waiting. Impulsive buying is not good for any budget. Make it a rule of thumb to wait a day before making purchases beyond daily living needs.

4. The Free Falsehoods

Rarely in life do we find that what is advertised as “free” is really and truly free, without strings or other obligations. Too many people make the mistake of jumping on the free bandwagon without reading the fine print. When you hear the word free, you should learn to stop jumping. Instead think about how free it could really be and what consequences might occur based on free. For example, a “free credit card” with no annual fee, isn’t exactly free. It can be a temptation that instead leads you to big debts you can not afford.

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