Personal Finance Series: No 12 - The Conspiracy Behind Ice Cream

No-one thinks about personal finance budgets, family funds worksheets, or consulting home funds spreadsheets when away from home and paying concentration to relaxation activities because they are dissimilar modes of thought, at dissimilar times of focus.

No-one categorically knows how much they spend every year on ice cream because it is an 'invisible purchase' one of those that habitancy just don't think about after the fact. Ice cream is in any place - "within an arms reach of desire" is the strategy of one global ice cream manufacturer.

Ice Indulgence

Ice cream, invokes memories of childhood, comfort, fun and a mouth-feel of indulgence and enjoyment. It is also a useful metaphor for why habitancy spend the money they do while face the security of the home - Away from home relaxation spending.

Away from home relaxation spending can whether be directly related to work stress or it can be recuperative and healthy. It makes sense that because relaxation is a clear antidote and equilibrium to work stress and job worries, habitancy who do not enjoy their jobs are at more risk of spending most money addressing that stress with relaxation spending.

There are 4 ways that the brain categorises Away From Home relaxation spending, itself one of the 14 ways the brain thinks about money.

Away From Home Leisure: Going Out

Quite literally, going out means not staying in, and encompasses all the activities which habitancy and families engage in while finding for variety, to break the monotony of household routines, and chores. The core driver is pleasure, socialising, belonging and fitting in. It involves restaurants, nightclubs, cinemas, theatres and other places of public gatherings. habitancy look for a 'nice time' in difference to the boredom of unsatisfying jobs, and people, especially younger people, spend a lot of, if not all their disposable revenue in this activity.

Away From Home Leisure: Food On The Move

There are whole industries in food manufacturing catering for this seemingly impulsive behaviour. habitancy buy snack food, junk food, fast food, meal deals, combo's and takeaways. Soft drinks and sweet manufacturers target habitancy who buy sandwiches and salads. It is well documented inside these giants that impulsive snacking products are considered to be calorie free among dieters because their consumption is between meals and therefore somehow doesn't count.

Away From Home Leisure: Day Trips

These trips are often planned, but are among the most difficult of times when inspecting money supervision for kids. Families might plan packed lunches to contain the perceived costs, but these are quickly eaten up by the money spent on investing kids in experiences and memories, rather than money. Many parents can set a funds per child and even allow self regulation by the child to spend until its gone. Smiles and laughter are priceless memories but can come at a risky cost to the personal finance budget.

Away From Home Leisure: Memberships and Outdoors

Many habitancy hold memberships to clubs like gyms, sports clubs, allotments, and other relaxation performance which are active pursuits - they are delivering health and well being benefits rather than the passivity of watching a play or movie. These relaxation spending events are mostly startling and routine, any way the additional spending on accessories, gadgets, and related items are often semi impulsive, with little view to need.

The conspiracy of ice cream, lies in the escapism that ice cream represents. The connection, socialising, and immersion in the occasion is what spending money on away from home relaxation is all about. By tracking this spending, by understanding thoroughly straight through online software, just where the money is going, and on what, allows for a family funds worksheet for going out and having fun without damaging other aspects of the personal finance budget, it's equilibrium and the risks of getting it wrong when managing money.

Personal Finance Series: No 12 - The Conspiracy Behind Ice Cream

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