GOLDEN RULES

Auckland City Harbour News - - YOUR PAPER, YOUR PLACE -

Be­ware fric­tion­less spend­ing Fo­cus on spend­ing for deep hap­pi­ness

Work on your willpower

you couldn’t shop on it.

These days your lounge is a shop­ping mall when­ever there’s a screen open. If you are awake, you can shop.

Even the ac­tion of buy­ing has lost fric­tion.

Writ­ing out cheques and count­ing out cash have largely gone.

These days PINs of­ten don’t even need en­ter­ing. If you’re too lazy to get a card out, just wave your wal­let at the ter­mi­nal.

As fric­tion di­min­ishes, peo­ple need more willpower and an­ti­con­sumer de­fence strate­gies.

Here are some of mine.

Will­ful ig­no­rance: I vir­tu­ally stopped watch­ing TV years’ ago, so I don’t see much ad­ver­tis­ing. I’m squea­mish about vi­o­lence, and bored by re­al­ity shows. I know less than I used to about things I could buy. As a re­sult, I don’t yearn for them. Cut­ting screen time re­duces con­sumer pres­sure.

Place avoid­ance: I dis­like shop­ping. I de­test malls.

Re­plac­ing recre­ational shop­ping with more healthy pur­suits (walks in the bush, trips to the beach, etc) in­creases will­ful ig­no­rance, and phys­i­cally sep­a­rates you from temp­ta­tion. Dou­ble win.

Big pic­ture think­ing: Do you want an­other shirt, or do you want a mort­gage un­til you are 72? Fair ques­tion. Is that cof­fee a cof­fee, or is it the par­tial sac­ri­fice of your early re­tire­ment? Fo­cus­ing on the big uses for money makes it eas­ier to avoid frit­ter­ing.

Hap­pi­ness fo­cus: Fo­cus on us­ing money to bring deep hap­pi­ness. Ask your­self: ’’Will knock­ing four months off the mort­gage make me hap­pier than bring­ing for­ward the pur­chase of a new car by a year?’’ Train

ASTRID GAST/123RF

With­out enough fric­tion, it’s easy to slip up.

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