Having to sell the car, 80-year-old parents-in-law still pay interest, but that’s not the scariest thing!
“I was born into a poor immigrant family. My childhood was spent living with faded, oversized clothes that my mother asked for from charity shops for the poor. Even at Christmas. , I don’t have any gifts either. Dressing sloppy and sloppy throughout my childhood and even as an adult made me always feel bad about myself and desire to earn a lot of money to buy everything. I like.
And then, my dream came true when I received the position of principal in a high school. The towering salary gives me the dream life, comfortable shopping everything you want without thinking twice. At first, it was just a few Zara shirts, Ganni boots… then more expensive brands.
Every time I receive a salary or a sale, I spend all my money with the thought of “rewarding myself”. When Brand fever increases prices When it comes to popularity, the more I spend money on branded items. There was a time when I spent £4,000 (about 120 million) on a pair of shoes and immediately after that 5 classic Prada bags differing only in color.
I thought I could pay for the huge brand-name purchases with my lifetime salary, but life hasn’t turned out like a dream. Under the influence of the epidemic, I lost my job. Even so, my shopping addiction did not stop. I started opening multiple credit cards, taking out loans to shop for brands. Even, so that my husband wouldn’t know, I pretended to go to work every day for 2 months, deleting emails with invoices from banks and stores. Worse, I ignored all notifications about overdue payments, outstanding debts.
Paper can’t cover the fire, after only 2 months, the debt reminder and the bank contacted my husband directly to inform him about the expenses beyond his ability to pay. The total amount of shopping debt that I have is 60,000 pounds (about 1.8 billion VND). This is not a small amount of money for my family, we have to sell the family’s van, bought branded goods and jewelry but still cannot pay off the debt. My husband’s parents at the age of 80 also had to pay the bank interest for me and my wife with a meager pension.
Facing a huge debt did not break me down with the reproaches of my husband, the disappointed eyes of my children. After listening to me explain everything, my husband did not hesitate to use harsh words to scold me in front of 3 children. And the children covered their beds with blankets and cried because they were worried about their own futures.”
That is the story of Zoya Kaleeva in Elle magazine December 2021. Like every other woman, Zoya also has an undying passion for shopping. However, her sense of vanity and overconfidence in her personal finances have led her to increasingly indulge in luxury shopping, resulting in huge debt and loss of trust from loved ones around her. around.
Shopping addiction is no longer a strange thing for many people. Under the pressure of work, life or to satisfy vain habits, many people look to crazy shopping to relieve emotions. However, this habit can damage jobs, relationships and push people into financial difficulties and crises. To prevent crazy shopping and then take on debt, you can refer to the following tips:
– Make a list of things you need before shopping: Planning your shopping in advance will partly help you overcome the wallet traps of supermarkets and stores and limit you from spending money on unnecessary things. .
– Limiting the use of credit cards: The form of swiping first and paying later by credit card has many advantages, but it can easily lead to the mentality of not feeling sorry for money, making you spend wastefully and then embrace debt.
– Don’t shop on sale day: Most people think that hunting for sale will help them save money, but it’s actually the opposite. Standing in the middle of many attractive discounted items, you will easily withdraw your wallet for many unnecessary items or sometimes make a mistake when shopping, resulting in more spending than saving.
– Use other ways to relieve yourself instead of shopping: When you are in a bad mood, you can go for a walk, listen to music, go out with friends instead of shopping, spend money on temporary pleasures.
References: Elle, NY Post
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