- 2 days ago
In this episode, we unpack the emotional rollercoaster of online shopping. From dopamine hits to buyer’s remorse, we explore why it's so hard to resist those tempting "SALE!" pop-ups and free shipping deals. Is it really retail therapy, or just stress in a cardboard box?
Category
🎵
MusicTranscript
00:00There's always going to be a newer car, a nicer car and stuff.
00:02Which makes us want to always get that dopamine hit.
00:05Considerate, I don't know if there's a right word to say,
00:07but I would sort of like punish myself for doing these things.
00:10So example, she bought too many bottles, she realised it, go and return it.
00:13I know it's a bit like leche, but it's not about getting the money back.
00:16It's about...
00:16You dah beli?
00:18Exactly.
00:18Nowadays, we've f***ing even worse.
00:20We've watched all these short form videos.
00:22I'm sure you've seen those like...
00:23I've seen it!
00:24And then they make a lot of these purchases.
00:26And then slowly, you start to see, oh my god, my bill for next month, it's already 500 ringgit.
00:31Oh my god!
00:32My bill for the month after that, it's already 500 ringgit as well.
00:39What's up guys?
00:39My name is Ymir.
00:40Welcome back to The Money Goal.
00:42Today I have Aisha again with me.
00:43It's me!
00:44What do you want to talk about?
00:45I want to buy...
00:46I want to buy...
00:48See?
00:49It's already in my head.
00:51It's a mindset thing.
00:52I want to talk about buying things online.
00:54Okay.
00:55Yeah.
00:55So I have a problem.
00:57It's a very bad problem.
00:59You know how these days we have all these apps that you can buy basically anything you want.
01:06Groceries, furnitures, anything.
01:10So I've been online shopping.
01:12A bit too much.
01:13Oh my gosh.
01:15Sometimes, right, in my cart, that's like 12 things on the way every month.
01:1912 things on the way at the same time.
01:20Yeah.
01:21I just showed Yasmin, our producer, I just showed her this morning.
01:25Like my WhatsApp, the delivery guy.
01:28The same guy keep on sending me photos.
01:31Oh yeah, parcel dekat pagai.
01:33To be picked up.
01:33To be picked up.
01:34Yeah.
01:35In front of my door.
01:36Every single day.
01:37So, this is what I want to know.
01:41Like, how do you deal with things like not able to prioritize things that are important, like savings.
01:53Like you've always said, right?
01:55Younger people need emergency savings.
01:58You need to prioritize, you know, paying your insurance, paying yourself first.
02:01Yeah.
02:01Paying your bills.
02:03But things like this, like, things that I...
02:04It's tempting, right?
02:05Yeah.
02:06So, I'm like, this month, I feel like, ooh, I want this new kasut.
02:10Yep.
02:11I can just, you know, go online.
02:13Yeah.
02:13It's really easy.
02:14But now, I have the same problem.
02:16So, someone else coming to give us advice.
02:17Alamak!
02:20Okay, okay.
02:21How often do you buy, though?
02:23Actually, quite often.
02:24Yeah.
02:24Okay, but I have the realization that I'm doing a bit too much as well.
02:27But, I have a...
02:28I sort of understand why we're doing this.
02:30Okay.
02:31So, I don't know about you, but every time I buy something, especially something that I want,
02:35so, and we're talking about cat food, obviously, it's not that exciting.
02:37I have to buy it, right?
02:38We can't stop doing that.
02:39But whenever I buy something like you, a new shoe, new pants, and stuff.
02:44It feels so good, right?
02:46Especially when we get discounts, right?
02:48Like, if you get six cents.
02:48Oh my god, you can stack!
02:50Exactly!
02:51Vouchions are sent off, free shipping and everything.
02:55And it feels even better, right?
02:56So, I'm saving so much money.
02:58And I realized that every time we buy something, we get a dopamine hit.
03:02It's like...
03:02I don't know how to explain the feeling, but it feels so like...
03:06It's like so good, you know?
03:07It feels so nice to buy something.
03:08But you understand.
03:10Yeah, I do, I do, I do.
03:11For sure.
03:11I do it after.
03:12The problem is, I also noticed that the dopamine hits don't last very long.
03:17It's a...
03:18You get the hit, and then tomorrow you're like, okay.
03:21What's next?
03:22You know, your item hasn't even been shipped out yet, and you're really thinking, what's
03:25next, you know?
03:26I keep scrolling.
03:27Yeah, exactly.
03:28I keep scrolling.
03:29And it's not just small items.
03:31So when I bought my car, I was so excited for it.
03:33It was my first car.
03:34I bought an X50.
03:34And I think I got like a huge dopamine hit.
03:37And I was like, oh, I'm going to love this car.
03:39I'm going to sayang this car.
03:40I'm going to wash it like every day.
03:42I'm going to do this and that, right?
03:43And an older colleague told me, just enjoy this now.
03:46Because after one month, you won't care about it anymore.
03:47I was like, no lah.
03:48Can't be me.
03:49And it actually...
03:50Yeah.
03:50Because there's always going to be a newer car, a nicer car and stuff, which makes us
03:55want to always get that dopamine hit, which is why we constantly buy and buy and buy, because
04:00we want that dopamine hit, right?
04:02So I think this is the issue.
04:04And how I try to solve it is that I try to look for the dopamine hits in other ways.
04:09So there are actually other ways for you to do it.
04:11For example, if you track your net worth or if you track your savings, if you do that
04:19and you make like...
04:20I actually have this lah.
04:21So an Excel, and then you update it every month or every quarter.
04:25And you just make like nice bar graphs, charts and stuff like that.
04:29And when you see that number going up as in your savings, your net worth, it actually
04:32gives you a dopamine hit as well.
04:33Sometimes when I look at my Excel, I'm like, not bad.
04:36Your money's going up.
04:37Exactly, exactly, exactly.
04:38Okay, so you want to sort of like gamify, tracking your personal finances.
04:44It's like tricking yourself lah.
04:45Exactly, yeah.
04:46Because the thing about shopping is it will never end.
04:48I think we will constantly need more.
04:50That's why a lot of people do this lah.
04:52The thing that I like to buy, especially online, are toys.
04:56Toys?
04:56What kind of toys?
04:57Yeah.
04:58Like little games that...
04:59You know, can I say the brand?
05:01Like Tamagotchi.
05:03Is that the thing?
05:04Yeah.
05:05Okay.
05:05And sometimes, if you buy it in stores, physically, it's like $130, but you can get
05:11it online for like $80.
05:12Such a good deal, right?
05:13That's why you keep buying.
05:14That's why you have to...
05:15But I play it for like two days.
05:17Exactly.
05:18Exactly.
05:18I've been sick before.
05:20Nowadays, it's even worse.
05:22I don't know if I can say that.
05:22But yeah, because...
05:23Because you know, we watch all these short form videos, and I'm sure you've seen those
05:29like...
05:29I've seen it!
05:30Okay, so I fell for this like thing, they say, oh, you can clean your iPhone, and your
05:36Apple Watch, and your Apple Watch, and everything.
05:38And it was like $10.
05:39I was like, oh my god, such a good deal.
05:41I can clean everything.
05:41Is it really $10 though?
05:42Yeah, it was.
05:43Oh my god.
05:44Okay, but the problem is, it arrived.
05:46I tried it.
05:46I'm like, let's throw it away.
05:48Really?
05:49Yeah, yeah, yeah.
05:50That's the thing.
05:50We buy a lot of this, especially small ticket items.
05:53I think those are the dangerous ones.
05:54Because when we think it's below $50, whatever, right?
05:59But slowly, after a while, you keep buying, buying, buying, it will stack up.
06:02It will stack up.
06:03Yeah.
06:03Yeah.
06:04But also, recently, all this online shopping, I've seen a lot on the apps that they have
06:10this buy now, pay later thing.
06:12Yeah.
06:13I've never used it.
06:14Okay.
06:14But one day, I was curious.
06:17So I activated my BNPL.
06:19Yeah.
06:20And then they gave me like, 8,000 ringgit that I can use.
06:25Yeah.
06:25With no background check even.
06:27Yeah.
06:27Yeah.
06:28So I have 8,000 ringgit that I can buy things.
06:31But I've never used it because I'm too scared to use it.
06:33Yeah.
06:33Because it's kind of like hutang, right?
06:35Yeah.
06:35It is.
06:36But some of my friends have said that it helped them, you know, to buy baju raya.
06:43Yeah.
06:43Baju raya and stuff.
06:43Yeah.
06:44So they say it's pretty good as long as you pay it on time.
06:48Yeah.
06:49Of course.
06:49Of course.
06:50They're trying to, they're telling me that it's good.
06:52So I want to know, okay, fine.
06:54It helps you like plan your budget for like important things like raya ke, apa ke.
07:01But is it really good, you know, to use for shopping for?
07:05Okay.
07:06That's a good question.
07:07Okay.
07:07So I do use BNPL.
07:08Oh, you do?
07:09Yeah.
07:09I've used BNPL and okay, I use it for a very specific reason, for a credit card benefit
07:15basically, but I won't talk about that now.
07:17Oh, you can get credit card benefits?
07:19Yeah, yeah, yeah.
07:19You can.
07:20I won't go so deep into that.
07:21So I went in with that intention and I would say I'm quite well versed with personal finances,
07:25right?
07:26But I realized that BNPL can be really bad.
07:30Even for me, I fell for it.
07:31So the thing is, one is you can buy something and then at the end of the month you pay,
07:35right?
07:36One month payment.
07:36So I guess that one's okay lah because you still have to buy, you still have to pay
07:40at the end of the month.
07:41But the bad ones are like when you split it over three months, over six months and stuff.
07:46So when you buy bajiraya, instead of buying RM100, which is within your budget, now you're
07:51thinking, eh, RM300, if over three months, it's only RM100 per month.
07:54If over six months, it's only RM50 a month.
07:56And this is how people can really get tricked into it because then you start to think about,
08:00eh, monthly it's only this amount, right?
08:02And then they make a lot of these purchases and then slowly you start to see, oh my god,
08:08my bill for next month is already RM500.
08:10Oh my god.
08:11My bill for the month after that is already RM500 as well.
08:14And I think this is the really bad part about BNPL.
08:17It's when you start breaking it down into smaller, smaller payments over a few months
08:21and now suddenly you have thousands of ringgits worth of commitment over the next few months
08:24that you have to pay off.
08:25So this has happened to me, but I mean, it's not like a crazy amount of luck.
08:30And there are things that I could have afforded to buy and win the first place.
08:34I only split it out again because of credit card benefits.
08:37But then I realised, it really hit me like, wow, this is crazy.
08:41And I can imagine how someone on a lower income with maybe cash flow who is not so good
08:45can really then fall into this trap where your income is maybe you're taking home RM2,005
08:50a month and this is like RM500 or 20% of your entire salary.
08:54It's crazy.
08:55I've never thought of it like that.
08:58Because they do offer like 3 months, 6 months and then 12 months, right?
09:02And it gives me 8,000 limit.
09:04So if I spend that 8,000 for like a year.
09:07Yeah.
09:08No, you can only spend up to 8,000.
09:10It's not 8,000 per month.
09:10You can't do like 8,000 per month.
09:12Yeah, 8,000.
09:138,000 then divide it for me a year.
09:15Oh, for 12 months.
09:17How much am I paying a month?
09:18About, I think 700 lah.
09:20That's quite a lot.
09:22For a year.
09:23Yeah, yeah, yeah.
09:23Oh, crazy.
09:24That's actually a car punya instalment.
09:27Exactly, exactly.
09:28And I think a lot of people actually fall for this.
09:30And they get to the point that they cannot pay it anymore.
09:32And that 8,000 limit is not your money.
09:35Exactly.
09:35It's your borrowing for someone.
09:37Yeah, yeah, yeah.
09:37You basically like a credit card then.
09:39It is.
09:40But because it's so accessible, that's why I think a lot of people are falling for it.
09:44So credit cards, you actually have to apply with the bank.
09:47The bank wants to know your salary.
09:48The bank wants to know your current credit score.
09:50How do you pay your loans?
09:50So the people who get credit cards, not that they're all extremely good at managing their
09:55money, but at least they have done some checks.
09:57This one, pretty much anyone, anyone with the app can get access to BNPL, which makes
10:02it worse lah.
10:03Yeah.
10:04Because you're not sure if the person can pay it monthly or not.
10:07Exactly, exactly.
10:07And it just makes buying even easier.
10:09Yeah.
10:10Before this, if I wanted to buy a RM300 shoe, I needed to save money for it.
10:14Now, I'll say, oh, okay, let's just make it RM100 a month.
10:17It's okay.
10:18Yeah.
10:18So now you get to buy first, pay later.
10:20Before this, you had to save, save, save.
10:22And then you can buy.
10:23So it made buying even easier.
10:25So with your 12 items being delivered every month now, if you turn on BNPL, it'll probably
10:29be 24.
10:3024, 30.
10:31Maybe you should just deactivate it back.
10:35Okay.
10:35If I want to, you know, try it, like you said, credit card benefits, if I want it, right?
10:40Okay.
10:41What, you know, something, are there things that I need to be, you know, aware of before
10:46I start even using BNPL?
10:48Because I don't know how to use it.
10:49Yeah.
10:49So the advice for me is the same as the advice for using credit card.
10:53You can only, you should only buy something that you can pay for in cash.
10:56Oh, okay.
10:56So you should not treat BNPL as a way, like you said earlier about your friends, as a
11:01way to manage your cash flow.
11:02Because I don't have money for this right here, I'm going to BNPL it because I will
11:06take for my salary in the future months.
11:07You should not do that.
11:08I will only buy BNPL if I can afford it today.
11:11I just want to split it over three months because it's 0% interest and I get some credit
11:16card benefits.
11:17Yeah.
11:17I think the thing is, a lot of people use it the way that you say your friends use
11:20it, which is why it's bad.
11:22To me, if you cannot afford it, then buy something cheaper.
11:25Buy something cheaper.
11:26Understood.
11:26Yeah.
11:27Okay.
11:27So also, because we've been doing this podcast for like, I don't know, 10 episodes already.
11:33Yeah.
11:33Okay.
11:34So we have some questions as well from some of our viewers.
11:37Related to shopping?
11:38Related to shopping.
11:40A lot of people have shopping issues, right?
11:42Yeah.
11:43It's a Malaysian thing, I guess.
11:44We love shopping.
11:45Okay.
11:46So for the first person, they say it started with a buy two free one promo skincare.
11:52Oh, skincare.
11:53There's a lot of promos.
11:54Have you seen it?
11:56No.
11:56Okay.
11:56I'm not.
11:57I don't buy skincare.
11:57So there's a lot of this, like, you can buy one set and then you get 50% off.
12:03Okay.
12:03Yeah.
12:04Okay.
12:04Okay.
12:05So, the person said, yeah, buy two free ones.
12:09So it's basically like a 50%.
12:10Buy two free ones is not 50%.
12:12Buy two free ones is 33%.
12:14Buy one free one is 50%.
12:15This is why he's the one advising us on finances.
12:19Okay.
12:19Okay.
12:20Okay.
12:20So before I knew it, I had six tabs open and RM400 worth of ones in my cart.
12:27The worst part, I told myself I was being smart because it was on sale.
12:30Okay.
12:31But when the bill came, I had no savings left for my car service.
12:35I had to borrow from my sister again.
12:38She said again.
12:39All that saving actually cost me more.
12:42Yep.
12:42So she'd been saving money.
12:44Okay.
12:44But because of this sale, she said, oh, it's a good deal, kind of 50% off.
12:48Yep.
12:48Yep.
12:48Yep.
12:49So she keeps using her savings, savings, savings.
12:51And suddenly she's been spent, she spent already RM400 and now she had to borrow money for emergency.
12:57Okay.
12:58What are the small budgeting set?
12:59Oh, she has a question.
13:00What are the small budgeting steps you can take today to stop impulse buying and slowly rebuild the savings that she lost?
13:06Okay.
13:06So there's a few ways to do this.
13:09One is you can use the, you know, 50, 30, 20 budgeting method where basically 30% of all things that you want.
13:15Or you allocate a budget to yourself basically, however much you want, where you can spend it on things that you want.
13:19You can spend it freely however you want.
13:20That's one way.
13:20Set it aside every month at the start of the month.
13:22And then you only spend that.
13:24Once it's depleted, it's over.
13:26Okay.
13:26You need to stop buying anything.
13:27That's one way.
13:28Yeah.
13:28Right.
13:29Another way is if you want to focus on savings, this is my preferred method.
13:33I will always save money first.
13:35So get your salary, save money first.
13:37The rest, spend it however you want.
13:38That's a hard part.
13:40Yeah.
13:40There are a lot of people that find this difficult because I save money first, I spend the rest, and then, oh no, not enough.
13:46I need to take back from my savings.
13:47Gloroughly.
13:47Exactly.
13:48Yeah.
13:48Yeah, yeah, yeah.
13:49So that is another way that you can do it.
13:51It depends on you.
13:52But in my opinion, budgeting can't really solve this problem.
13:57So to me, if you are buying, buying, buying, you can't control yourself.
14:01Like I said, right?
14:02It's a dopamine hit.
14:03And budgeting doesn't work because budgeting is restricting yourself.
14:06It's negative reinforcement, right?
14:08Like, oh, I'm going to stop myself from doing it.
14:10So you need to find other ways to get your dopamine hit.
14:15You need to, like I said.
14:17Go run.
14:17Yeah, exactly.
14:18Even go for a walk.
14:19Even go for a walk.
14:20I think these things will really, like, actually help you.
14:23Yeah.
14:23Or you make it harder for yourself to buy things.
14:27You make it harder.
14:27I mean, like, delete the app.
14:28Exactly.
14:28Make it, yeah.
14:29You need to increase resistance to buying because this is so easy to buy.
14:33It's so easy to buy.
14:33Yeah.
14:34I think, just a quick story, okay?
14:36Okay.
14:36I am young enough, but I've went through, like, the payment methods so quickly.
14:42Like, the transformation payment methods.
14:43When I was a bit younger, in my adult life, about 17, we were still using cash.
14:47I'm sure you used cash, right?
14:48When you were younger.
14:49For online?
14:49No, no, no.
14:50For buying stuff in general, right?
14:51Yes, yes.
14:52And I think the thing about using cash is that you actually see money leaving your wallet.
14:56And, you know, if you have 500 ringgit, you take out, like, oh, my God.
14:59Yeah.
14:59Suddenly, my wallet's empty.
15:00I need to, like, control myself.
15:01Have to go to ATM.
15:02Exactly.
15:03And I'm like, oh, my God.
15:04I just went to the ATM yesterday.
15:05I can't believe I have to do this again.
15:07My spending is out of control.
15:08I need to stop.
15:09Yeah.
15:09Right?
15:10And then we went to e-wallets.
15:11E-wallets, to me, I still saw my balance go down.
15:14And I was like, oh, my God.
15:15It's going down.
15:16But the thing is, money's not leaving my wallet.
15:18Now, it's just going down here, which to me was like, oh, okay.
15:20Can't talk about it.
15:21Not bad.
15:22Yeah, not bad.
15:23Now, there's a final stage, which is credit cards and BNPL, where you don't even see
15:27your balance go down.
15:28Your savings account, the money doesn't go out because you're using credit cards, because
15:32you're using BNPL.
15:32Yeah, it's not your money.
15:33So, this is the worst stage.
15:35This is the most difficult part.
15:36So, you need to build, like, friction for you to buy things.
15:39Either maybe stop using credit cards, delete that.
15:44Like you said, I think that is another way.
15:45But yeah, I think these are the things that you need to do.
15:47I don't think budgeting can help.
15:49You can try it out.
15:50If it works, then perfect.
15:51Otherwise, you need to think about other ways.
15:53Or you can be like in the movie and you potong the credit card go.
15:55Yeah, you can actually just do it for dramatic effect.
15:58Okay, we have one more story.
16:00Okay.
16:01Okay.
16:01I used to get so excited when the passes arrive.
16:05Unboxing felt like Christmas.
16:07But lately, every delivery just reminded me of money I shouldn't have spent.
16:11Okay.
16:11One month, I bought four different water bottles.
16:17I'm sorry.
16:19Different colors.
16:21Same function.
16:23RM 20 ringgit.
16:24And then RM 40 ringgit.
16:26And then it added up to over RM 300 ringgit.
16:29Now I've got a drawer full of cute things I never use.
16:32And a bank account that's constantly on life support.
16:36The question is, what are some simple financial steps you can take to track your spending and slowly regain control over impulsive or unnecessary purchases?
16:45Okay.
16:45So I think there's a lot of apps these days.
16:48I think they're asking the right question, basically, how do you track?
16:50Which is essentially what you need to do at this point, right?
16:54So many apps on the App Store these days.
16:55Just download any of it.
16:56And then for three months, just track every single ringgit that goes out.
17:00And then see where your money is going.
17:01Yeah.
17:01Right?
17:02I think in this person's instance, you're buying a bit too many water bottles.
17:05Small, small things.
17:06Because she said, first it was RM 20 ringgit and then RM 40 ringgit.
17:09Then at the end of the month, she saw it and said, eh, I spent $400 for all this much more.
17:14It adds up.
17:14I think for this person, the good thing is they already realize that it's an issue.
17:20Because when they buy it, when it's getting delivered, they already regret.
17:23They already regret.
17:24It's not like, you know, at the end of the month, I see my credit card bill is so high
17:27that I regret.
17:28They already know that, ah, I shouldn't have bought this, but it's already here, right?
17:31Something that I do, okay, this one's a bit weird lah.
17:34But when I do this, so I would consider, I don't know if there's a right word to say,
17:39but I would like, sort of like punish myself for doing these things.
17:42Okay.
17:42So, do things that you wouldn't want to do.
17:45So, example, she bought too many bottles, she realized it, go and return it.
17:50I know it's a bit like, leceh, ah, just for RM 20 ringgit, I have to go return it.
17:53But it's not about getting the money back.
17:55It's about...
17:57You dah beli?
17:58Exactly.
17:59Disciplining yourself.
17:59Disciplining yourself.
18:00Yeah.
18:00You do that.
18:02Alternatively, if it's like, you have a drawer full of things, force yourself to go sell it.
18:05Use Carousel or whatever, Facebook Marketplace.
18:07Maybe you only get RM 5, RM 10 ringgit back, but you're doing it again, not for the money,
18:11just as a reminder to yourself of things that, basically, your mistakes lah.
18:16You know, I understand.
18:18I do.
18:18Because it's such a hassle, kan?
18:19You get rid of it, you don't want to throw it away, because you sayang, kan?
18:23You spend money on it, so now you have to sell it.
18:25Yep, yep, yep.
18:26You have to, like, put in effort to go to the post office, hantar, ah, okay, fahal.
18:31Something like this happened to me before, not exactly the same lah.
18:33What have you been doing online?
18:35I'm so much for this, right?
18:36No.
18:36Okay, this one has nothing to do with spending issue, but basically, I bought this pair of
18:39shoes for the gym, and it was, like, $250 or $400, I don't know.
18:43Wow.
18:43And I really liked it.
18:44May have got money, then.
18:45No, no, no.
18:45The gym, it's an investment for my health, yeah.
18:49And then two months later, I lost it.
18:50I lost the shoes.
18:51Yeah, yeah, I think, after the kappa, I changed my back to my slippers, and I left it on the
18:55floor, yeah.
18:56So I lost it, I lost it.
18:57The thing is, I needed another shoe.
18:59I still needed a shoe to go to the gym, but I needed to punish myself.
19:01So how did I do it?
19:03I looked for the cheapest Nike shoe, same model.
19:06But you know how, whenever they do clearance, it's because it's the ugly colours.
19:10So I bought this bright, hot, red pair of Nike shoes to go to the gym.
19:14It was so ugly.
19:16And whenever I went, people were like, wow, nice shoes, bro.
19:20With a face, I'm...
19:21So I could afford to just buy the same shoe again, a nice shoe, something that looked cool.
19:25But I thought to myself, because this was a silly mistake for me, I needed to live through
19:30it.
19:30So this year was the year that my punishment ended.
19:33It was two years of me living with those shoes.
19:36Did you bring the shoe?
19:37I threw it away.
19:37No, no, I gave it to someone.
19:38I gave it to someone, yeah.
19:39So these are things that the person can do.
19:41Because they realise that they made the mistake already.
19:43Just do all these small, small things so that the next time you want to buy it again, you
19:47remember, oh, I want to return this.
19:48Do I want to go through the hassle of selling it?
19:50Yeah, I think that might work.
19:51You know what?
19:52That actually is a good idea.
19:53Maybe you should do it for your...
19:54What?
19:55Tamagutu.
19:58Anyways.
19:59Yeah.
19:59That's actually good help.
20:02Yeah.
20:03So if you guys have a shopping problem...
20:05Like me.
20:06Like us.
20:06Like us.
20:07Like us.
20:08Exactly.
20:09Number one.
20:10If you can, set yourself a budget.
20:12See if you will follow it.
20:13Make sure you don't go over your budget.
20:15If you've finished up your shopping money for the month, too bad.
20:19Wait for next month.
20:20Right?
20:20That's number one.
20:21Number two.
20:22If you really have a shopping problem that you need to think about, is it because you
20:25want the dopamine hits?
20:26Find other ways to get it.
20:28Go for a walk.
20:28Start tracking your savings and stuff.
20:30Number three.
20:32Worst case scenario.
20:33Make it more difficult to shop.
20:35Cut your credit cards.
20:36Delete the apps if you have to.
20:38Buy only with cash if you have to.
20:40I think these are the things that you should do if you have a shopping problem.
20:42Anyway, at the end of the day, it is lece to buy stuff if you deleted the app.
20:49But it's a bit more lece if you are in thousands of ringgit in debt.
20:52So I would say one is better than the other.
20:55Alright.
20:55Cool.
20:56Thank you so much, guys, for watching this episode.
20:57Thanks, Aisha.
20:58Nice to meet you again.
20:59See you guys in the next one.
Recommended
2:04
|
Up next
3:04
37:08
20:32
44:26