Why You Should Only Go Shopping in a Good Mood

Common wisdom suggests that it’s a bad idea to go grocery shopping while hungry. If you haven’t eaten in some time, chances are everything in the store will look good, and you might end up wasting money by making frivolous purchase you wouldn’t normally make. Hunger clouds your better judgment, and you could end up with a lot of ingredients that add up to nothing, or with several precooked ‘quick fix’ items that you would have been better off leaving behind.

Retail Therapy

The same logic applies to shopping for new clothes, but this fact is far less accepted. When people are in a bad mood, they occasionally head to the mall to make themselves feel better, a phenomenon sometimes called ‘retail therapy’. Retail therapy may work in the short term, but in the long run, engaging in this practice results in losing money by making impulsive buying decisions and spending irrationally. As a general rule, then, it’s better to go shopping in a good mood.

When people feel bad about themselves, they want to surround themselves with items that will make them feel better, whether about their physical appearance, social stature, or romantic prospects. Sometimes, a change is required to get out of a bad mood, and while it’s important to recognize this, a change in wardrobe probably will not ultimately do the trick. Although we might feel compelled to buy clothes that convey a different personality than the clothes we usually wear, the end result of such impulse buys could accomplish the opposite result.

New clothes, if chosen wisely, can inspire confidence, and this could be the motive that drives some people to engage in retail therapy. As with hunger, however, negative emotions can cloud our usual, rational judgment, and cause us to buy things that, in a better mood, we would never have considered. If you are passed up for a promotion at work, you may think that buying a few items will spruce up your appearance and make you more impressive, giving you an edge next time around. This could be true, but visiting the department store on the way home from work will probably not solve the problem.

Your Unique Style

There are a few reasons for this. First, even though the idea of adding flare to your wardrobe is not bad in itself, the emotional state you are in will influence how you shop. Even if you don’t consciously think about it, you may be more likely to buy clothes similar to those worn by the person who got promoted over you, or to those you think will attract a particular individual to you. Just because these styles have worked for other people, however, does not mean that they will work as well for you. If you are shopping to make yourself feel better, chances are that you have already spent several years developing a style that is uniquely yours and that suits you fairly well. Attempting, even unconsciously, to emulate someone else’s style, will prevent you from expressing yourself in a style that is yours alone.

Even if you manage to avoid the pitfall of accidentally dressing like your successful neighbor, you may have a difficult time confidently wearing new clothes if you were upset when you bought them. Despite all your rationalizations, at bottom you probably know that retail therapy is an irrational behavior and that you are being frivolous with your money. This knowledge could prevent you from taking the same delight in your purchases as you would have if you had made those purchases in a secure, happy mood. If you can’t wear your new clothes with confidence and pride, you might as well not have bought them at all.

So even if a new suit is the solution to all of your problems, it’s better to wait until the sting of your missed promotion has worn off, and buy the suit on a good day.

The Concept of Buy Now Pay Later Catalogs

Pushing sales, or rather selling progressive number of units is something that retailers, superstores, and mega stores do on a daily basis. One very good strategy that is implemented by retail stores is the buy now and pay later strategy. As the name suggests, the buy now pay later option gives credit to its consumers. Such catalogs are issued by a variety of retailers in the United States, and in several cases, they have proved to be a great boon, not only for the retailers, but have also proved to be quite convenient for the buyers as well.

Buy Now Pay Later Shopping Catalogs

The mechanism of buy now pay later shopping is very similar to the mechanism of credit cards. When you visit the store, you need to open a credit account with the store. In such cases, all your personal details, such as your identity, credit report, and employment status are checked by the retailer. Often a debit card number is also demanded, for security or collateral purposes. Some stores also take a crossed check that is dated to the next month as an assurance. The process principally differs from enterprise to enterprise. In some cases, the prospectus itself can be ordered home and the ordered items are shipped to your place. This is possible in cases where you are a regular customer of the store and pay through a credit card or you have a certain credit account with the store. Some stores, however, adopt deep scrutiny where in the credit report is analyzed.

There are variations in these catalogs. For example, the catalogs with no credit check are provided to regular customers, who are ready to provide the stores with income details. In some cases, certain stores also take up the risk of issuing catalogs with bad credit. In such cases, a strict income check is implemented by the store.

Types

A considerable number of variants of such catalogs exist. Here are a few examples:

– Deferred billing is the first variant of these shopping catalogs. In case of differed billing, the transaction is completed on the purchase date and a credit is extended. Now, one must bear in mind that there is a credit limit that is imposed on the amount that can be purchased per billing cycle. One billing cycle goes on till the entire settlement is made in full. Some sellers offering differed billing cycles include, Home Shopping Network, Newport News, Spiegel, Palm Beach Jewelry, and Taylor Gifts
– Some stores even offer installment billing. Shops that sell really expensive commodities usually have this provision. Scrutiny in such processes is very strict and is almost as tough as getting a small loan. Bradford Exchange, Gettington, and Fingerhut are some examples where the installment billing is prevalent.
– Websites also tend to give such facilities where the billing cycle is prevalent at future dates. In such cases, unused credit limit on the credit card is restricted against your purchase.

Most of the stores giving such buy now, pay later facilities tend to have a limit for repayment, after which a fine, charge, or a straight interest is levied. In some stores, the interest or fee is levied by default, on all transactions conducted through these catalogs. Of late, many factory or manufacturer-controlled stores have also introduced this concept, Walmart, Apple, Massey’s, and Figi’s are some common examples.