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Stop, think, walk away

pippa

Dianne Harris is a budget advisor for the Anglican Centre

IMPULSE BUYING: "Spur of the moment, unplanned decision to buy, made just before a purchase. Research suggests emotions and feeelings play a decisive role in purchasing, triggered by seeing the product or upon, exposure to a well crafted promotional message and (about 80 percent of the time) lead to problems such as financia difficulties, family disapproval, or feeeling of guilt or disappointment"

Most of us mistakenly believe we are in control when we go shopping, but we are in fact (a lot of the time) acting without thinking about the long term consequences of our purchase.

So many choices, so many bargains....

Why do we do it to ourselves?

We decide to go out for an outing, start looking at the shops and whamo, come home with an item, that we neither wanted or needed - we brought on impulse.

Perhaps the solution is to just not go anywhere!

Maybe a better plan is to, on a weekly basis, put a set amount aside so that when we do decided to make a day of it in town, we know how much we can afford should something take our eye.

Experts say we go shopping to make ourselves feel better.

We can make ourselves feel better still if we spend money we have rather than get ourselves into debt.

Three ways to avoid impulse buying

Recognise you have a choice

Stop, take a breath or two - give yourself time to think.

Remember, you can take it back.

Resisting the urge to buy impulsively is one of the best things you can do not only for your finances but also for yourself.

This month’s recipe

apple crumble

Perfectly delicious apple crumble

7 stewing apples

Peel and core apples and cut up roughly, put in large saucepan, with a little sugar if desired, cover with water. Simmer (don’t boil) with lid on til just tender (approx. 5 mins) Drain if necessary and put in casserole style dish.

Crumble mix

1 cup flour

3/4 cup packed brown sugar

3/4 cup rolled oats,

3/4 cup coconut

1tbsp cinnamon

2 tsp nutmeg

2/3 cup melted butter

2 tsp vanilla essence

Combine all ingredients in bowl (except for butter and vanilla) till evenly mixed.

Add melted butter and vanilla and mix well using a fork.

Ensure all ingredients are moist and mixture has a crumbly texture.

Spread crumble on top of apple

Bake at 180 for 30 - 40 mins or until crumble topping is slightly browned.

Serve with ice cream, cream or custard.

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