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Culture: we buy on impulse with east credit and fast pay.
We are all guilty of it. What is it? Impulse buying of course! It may not be for major purchase - we usually have a think about them before making a decision. Well most of us do. Minor things like snack bars and quick coffees are usually done on a whim. A site like eBay where thing are cheap but generally of low quality is also a vehicle for fast shopping.
Some people purchase "quickie" items more than others. It all depends on ones personality. Even being out with others affects buying behavior. Having money to buy is less of a factor because easy credit is available. A person's prevailing mood also has an effect: happiness drives impulse buying.
Advertising is perceived differently by individuals. "Buy one and get one free" is a trap for some. Indeed, Westerners seem to be particularly prone to buying things with little thought, people in Eastern cultures not so much. Culture does determine behavior to some extent. This could be changing for Asians. Culture does change over time. The British, for example, are not so conservative as they once were.
The Internet has impacted on societies throughout the world. It is so easy to buy things now. You can purchase things you don't really need while sitting down at home. Impulse buying is generally thought to occur only when we are at the shops. This is not the case. Easy credit and easy pay haveput a gap between budgeting and spending.
◆ Culture by Ty Buchanan ◆
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Experts have predicted that Australia will be cashless by 2022. Even Singapore which planned a cashless society cannot do it completely. Non-cash buying has reached 69 per cent. It has remained there. People love money and sometimes they want to see it. If you take it away they will lose confidence in the currency. This is just common sense.
Purchasing electronically, then going to pick it up will be the norm say 81 per cent. Unfortunately, this is not sustainable. Most pre-purchasers go out to physical shops to view what they intend to buy, looking at variants and price. If four fifths of the population actually did pre-purchase, existing shops would not be there - they would be bankrupt.
Hardly any article overtly states the real reason why people will not let go of cash: individuals will not say it, but they want to avoid paying tax. Yes, it is simply tax avoidance that will keep cash alive, always. Hardly anyone keeps all their money in the bank. They know the tax department can access the real time data. You cannot hide anything that goes onto a record sheet. Business as well as consumers want cash. Why do shops ask if you want a receipt? If they don't issue a receipt the cash goes straight into the pocket!
Remember: Electronic buying with no electric power means no economy.
◆ Society by Ty Buchanan ◆