As someone who studied and works in marketing and consumer psychology, I know full well how tempting it can be for consumers to spend money they don't have. You walk into a store and see shoes to die for that would look great with the spaghetti strap dress you bought moments ago. Or, you see a shirt you know your brother would dig, a pair of earrings that your mom will go gaga over, and a tool set that has your uncle's name all over it. Whether you're buying gifts for yourself or for friends/family, it makes sense to scour the internet and newspaper for the best deals you can find. Still, if you see that if your shopping list could easily translate into hundreds (if not thousands) of dollars in credit card debt, you'd be wise to pare it down a bit. You can start by only buying one gift per adult. Better yet, why not get one gift per couple? Things like towel sets and silverware sets are items for the home that anyone can use. You may be tempted to buy the li...

I don't know about you, but there's nothing more unpleasant than walking into a mall so overcrowded that you: Constantly bump into people Can't find anywhere to sit Are forced to stand in long lines And if the mall is that crowded, it usually means finding parking will be a huge headache, so the frustration begins even before one sets foot in the mall.  Granted, I live in South Florida, an area notorious for being heavily congested. Even if a crowded mall is the exception rather than the rule where you live, you've probably found yourself in a badly crowded venue at some point, whether a concert, nightclub, or theme park.  Making matters worse is having the urge to use the restroom and not being able to because it's out of service or there's a gaggle of people waiting to use it. Or, how about being so hungry you could eat a horse, but finding that the lines at the food court virtually snake around the building? Nothing spoils a good shopping...

It's Tuesday morning and I feel tired. Tired and lazy, to be more precise. But why is it that I feel this way if it's only Tuesday? I should feel more energetic given that the week has only just begun. Oh, now I remember... This past weekend, I did so many things that I couldn't possibly remember all of them -- from visiting my mom to going shopping to hanging out with friends to attending my sister's birthday dinner. (I know I missed a couple...) We have a tendency to cram so many things into our weekend itineraries -- after all, it's usually the only time people who work full-time have to run their errands -- that we fail to leave some time for much-needed rest and relaxation. That leaves us feeling awfully tired as we enter the new work week. When I'm tired, I get lethargic, and that translates into an unproductive worker. Usually, I make it a priority of mine to spend at least a few hours on Saturday and Sunday taking a breather. And you should t...

A recent study reveals that many people spend an average of six hours at the mall with each visit. We've all been there: We intend to make a quick purchase at the mall, whether it be a t-shirt or pair of shoes, only to wind up spending several hours there. Not surprisingly, the higher the number of people accompanying us, the more challenging it becomes to keep the visit under an hour. But six hours seems like a boatload of time. Can you imagine how many hours of exercise or reading you could put in if you stayed home instead? I would assume that many mall-goers purposely while the day away at the mall (especially if there's inclement weather or there are children in tow), while others simply lose track of the time while browsing countless stores. The problem with the latter is that it often translates into people buying far more things and spending far more money than they should. The solution? Consumers should aim to leave the mall as soon as they've snagged what ...

We all know at least one person (and it could be ourselves) who is prone to frivolous spending. He or she forks over hundreds of dollars during each visit to a mall or restaurant, adding to an already massive heap of credit card debt. What's worse, the person makes a habit of asking friends or relatives for money. What, then, causes this seemingly uncontrollable compulsion to spend? For a lot of us, it's tied to our self-image and self-esteem. Many people depend on shopping and consumer products for a "pick-me-up" -- much like getting their afternoon coffee fix. Consumers use material possessions to enhance their image -- walking around with that Coach purse or in those Jimmy Choos can greatly boost feelings of self-worth and self-confidence. There's nothing wrong with this if done in moderation -- we all deserve to spoil ourselves every once in a while. But once wasteful spending becomes a weekly -- let alone daily -- occurrence, it creates the potential fo...