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¼îÇÎÁßµ¶ÀÚµé(Shopaholics)Àº ¼Òºñ¸¦ ÅëÁ¦ÇÒ ¼ö ¾ø´Â »ç¶÷µéÀ» ¸»Çϸç, À̵éÀº ¹°°ÇÀ» ±¸ÀÔÇÒ ¶§¿¡´Â ±â¿îÀÌ °í¹«µÇ°í ±âºÐÀÌ ¾ÆÁÖ ÁÁ¾ÆÁø´Ù.
´©±¸³ª ÃÖ½ÅÇü Â÷, »õ·Î¿î ÀÇ»ó, »õÁý µîÀ» ±¸ÀÔÇÒ ¶§¿¡ ±âºÐÀÌ ÁÁ¾ÆÁö°Ô ¸¶·ÃÀÌÁö¸¸ ¼îÇÎÁßµ¶ÀÚ°¡ ÀÏ¹Ý ¼ÒºñÀÚ¿Í ´Ù¸¥ Á¡Àº ¼îÇÎÁßµ¶ÀÚ´Â Çѹø ¹°°ÇÀ» »ç±â ½ÃÀÛÇÏ¸é ±¸¸Å¸¦ ÅëÇÑ ½º¸± ¸¸³£Ãß±¸¸¦ À§ÇØ ¹°°ÇµéÀ» ´õ »ç¾ß¸¸Çؼ Á¾Á¾ °ú¼Òºñ °á°ú·Î À̾îÁ® Áßµ¶¿¡ óÇÏ°Ô µÇ¾î È¥ÀÚ¼´Â °ú¼Òºñ¸¦ ±Øº¹ÇϱⰡ ¾î·Æ´Ù.
¢º ¼îÇÎÁßµ¶ ¿©ºÎ¸¦ ¾î¶»°Ô ¾Ë ¼ö ÀÖÀ»±î?
´ÙÀ½ 20 °¡Áö Áú¹®µé¿¡ ¡°ÀÚÁÖ ±×·¸´Ù(Often)¡±, ¡°°¡²û ±×·¸´Ù(Sometimes)¡±, ¡°ÀüÇô ±×·¸Áö ¾Ê´Ù(Never)¡±·Î, ´ç½ÅÀÇ »óȲÀ» °¡Àå Àß ¼³¸íÇÏ´Â ´äº¯¿¡ üũÇØ º¸½Ê½Ã¿À!
1. ´ç½ÅÀº ÇÊ¿äÇÑ ¹°°ÇÀ» »ç±â À§ÇØ µ·À» ÀúÃàÇϱⰡ Èûµì´Ï±î? (Have trouble saving for something you want or need?)
¡°ÀÚÁÖ ±×·¸´Ù( )¡±, ¡°°¡²û ±×·¸´Ù( )¡±, ¡°ÀüÇô ±×·¸Áö ¾Ê´Ù( )¡±
2. ´ç½ÅÀº ÀÚÁÖ Å©·¹µðÆ® Ä«µå Çѵµ¾×±îÁö ´Ù »ç¿ë Çմϱî? (Often run your credit cards up to the limit?)
3. ´ç½ÅÀº »ç¶ûÇÏ´Â »ç¶÷µéÀ» À§Çؼ ÇüÆí»ó °¨´çÇÒ ¼ö ¾ø´Â ºñ½Ñ ¼±¹°µéÀ» ±¸ÀÔÇÏ´Â ´ç½Å ÀÚ½ÅÀ» ¹ß°ßÇմϱî? (Find yourself buying expensive gifts for those you love, even though you can't afford them?)
4. ´ç½ÅÀº ¼îÇÎ ½Ã¿¡ ±¸ÀÔ °èȹ¿¡ ¾ø´Â ¹°°ÇµéÀ» »çµé°í Áý¿¡ µ¹¾Æ¿É´Ï±î? (When you go shopping, come home with things you didn't plan on buying?)
5. ÀÚÁÖ ¹°°ÇÀ» ±¸ÀÔÇÑ ´ÙÀ½ ³¯¿¡ ±× ¹°°ÇÀ» °¡°Ô¿¡ ¹Ýȯ Çմϱî ? (Often buy things and then return them to the store the next day?)
6. ´ç½ÅÀº ÀüÇô »ç¿ëÇÏÁö ¾ÊÀ» ¹°°ÇµéÀ» ±¸ÀÔÇմϱî? (Buy things you never use?)
7. ¼îÇÎ TV ä³ÎÀ» ½ÃûÇϴµ¥ ¸¹Àº ½Ã°£À» ¼ÒºñÇմϱî? (Spend a lot of time watching the shopping channel on TV?)
8. ÀÎÅÍ³Ý ¼îÇο¡ ¸¹Àº ½Ã°£À» º¸³À´Ï±î? (Spend a lot of time Internet shopping?)
9. ¹°°ÇÀ» »ê ´ÙÀ½¿¡ ±× ±¸ÀÔÇÑ °Í¿¡ ÁËÀǽÄÀ» ´À³§´Ï±î? (Buy something and then feel guilty about it?)
10. ¹°°ÇÀ» Çϳª ±¸ÀÔÇÏ·¯ °¬´Ù°¡´Â ±× ¹°°Ç¿¡ °ü·ÃµÈ ºÎ´ë¹° ¼¼Æ® ÀÏüµµ »ç°¡Áö°í Áý¿¡ µ¹¾Æ¿É´Ï±î? (Go out to buy one thing and come home with a complete set of accessories, as well)
11. ¹°°ÇµéÀ» ±¸¸ÅÇÑ °Í¿¡ ´ëÇØ ´ç½ÅÀÇ ÆÄÆ®³Ê, °¡Á·, Ä£±¸, ¶Ç´Â ½º½º·Î¿¡°Ô Á¤´çÈÇÏ´Â ´ç½Å ÀÚ½ÅÀ» ¹ß°ßÇմϱî? (Find yourself justifying your purchases to your partner, your family, your friends or yourself?)
12. ´ç½ÅÀÇ ºÎä°¡ ¸Å¿ù ¼¼È÷ ¸¹¾ÆÁý´Ï±î? (See that your debt is creeping up slowly every month?)
13. ÃÖ÷´Ü ±â¼úÁ¦Ç°, ÆмÇ, ¶Ç´Â À¯ÇàÇ°µéÀ» »çÁö ¾Ê°í´Â ¸ø ¹è±â´Â ´ç½Å ÀÚ½ÅÀ» ¹ß°ßÇմϱî? (Find yourself unable to resist the latest technology, fashions, or fad?)
14. ´ç½ÅÀº ´ÙÀ½ ¼îÇο¡¼ ÀÖÀ» ±â»Ý°ú ±â´ë°¨À» °í´ëÇϴ°¡? (Look forward with pleasure and anticipation to your next shopping trip?)
15. ¾Æ¹«µµ ¾ËÁö ¸øÇϵµ·Ï ±¸ÀÔÇÑ ¹°°ÇµéÀ» ¸ô·¡ Áý¾È¿¡ µé¿©¿Í¼ °¨Ãä´Ï±î? (Sneak purchases into the house and hide them, hoping no one will notice?)
16. ÀÚ½ÅÀÇ ¿¹»êÀ» ÃÊ°úÇÏÁö ¾ÊÀ¸·Á´Â ³ë·ÂÀº ÇØ º¸Áö¸¸ Ç×»ó ±× ¸ñÇ¥°¡ ½ÇÆÐÇմϱî? (Try to stay within budget, but always fall short of your goal?)
17. ´ç½ÅÀÇ ¼ÒºñÇàÀ§°¡ ´ç½ÅÀ̳ª ÁÖÀ§ °¡±î¿î »ç¶÷µéÀ» ºÒÇàÇÏ°Ô ¸¸µå´Â °ÍÀ» ¹ß°ßÇմϱî? (Find that your spending behavior is making you or someone close to you unhappy?)
18. ´ç½ÅÀº ÀÚ½ÅÀ» ±âºÐ ÁÁ°Ô Çϰųª ÁøÁ¤½ÃÅ°±âÀ§Çؼ ¹°°ÇÀ» ±¸ÀÔÇϴ°¡? (Buy something to cheer yourself up or calm yourself down?)
19. ºÎ¸ð³ª ¾î¸¥µéÀÌ ´ç½Å°ú ÇÔ²² ½Ã°£À» º¸³»ÁÖÁö ¸øÇÑ °Í ¶§¹®¿¡ ¼±¹°À» »çÁØ °¡Á¤¿¡¼ ¼ºÀåÇß½À´Ï±î? (Come from a family where parents or adults would give you gifts to make up for time they didn't spend with you?)
20. ¹°°ÇÀ» ±¸ÀÔÇؼ´Â ¾È µÈ´Ù°í ÇÒ »óȲÀε¥µµ ÀÚ³àµéÀÇ ¿ä±¸ ¶§¹®¿¡ ¸¶Áö¸øÇؼ ¹°°ÇÀ» »ð´Ï±î? (Give in to your children's demands for purchases, rather than make a scene by saying "no"?)
¢º Á¡¼ö Á¾ÇÕ °è»ê ¹æ¹ý (Total Score)
ÀÌ»ó 20 °¡Áö °¢ Áú¹®¿¡ üũÇÑ ´äº¯µé Áß¿¡, ÀÚÁÖ ±×·¸´Ù(Often)¿¡´Â 4 Á¡, °¡²û ±×·¸´Ù (Sometimes)´Â 2 Á¡, ÀüÇô ±×·¸Áö ¾Ê´Ù(Never)¿¡´Â 0Á¡À» ¸Å±â½Ê½Ã¿À!
* Á¾ÇÕÇÑ ¼ýÀÚ°¡ 50 Á¡ ÀÌ»óÀ̸é - ´ç½Å¿¡°Ô´Â ½É°¢ÇÑ °ú¼Òºñ ¹®Á¦°¡(Serious over-spending problem) ÀÖ½À´Ï´Ù.
* Á¾ÇÕ ¼ýÀÚ°¡ 25~50 Á¡ »çÀ̸é - ¼îÇÎÁßµ¶ÀÚ°¡ µÉ À§ÇèÀÌ ÀÖÀ¸¹Ç·Î Á¶½ÉÇØ¾ß ÇÕ´Ï´Ù.
* Á¾ÇÕ ¼ýÀÚ°¡ 25 Á¡ ¹Ì¸¸À̸é - À̵û±Ý °ú¼Òºñ´Â Çصµ ¿°·Á ÇÒ Á¤µµ´Â ¾Æ´Õ´Ï´Ù.
¢º ¼îÇÎÁßµ¶ ȸº¹ ¹æ¹ý
´©±¸³ª ƯÈ÷ Å©¸®½º¸¶½º ½ÃÁð°ú ÈÞ°¡ ¶§¿¡´Â °ú¼Òºñ¸¦ ÇϱⰡ ½±Áö¸¸ ¼îÇÎÁßµ¶ÀÚ´Â ´Ù¸£´Ù. ¼îÇÎÁßµ¶ÀÚ´Â ÀÚ½ÅÀÇ °ú¼Òºñ¸¦ ÅëÁ¦ÇÒ ¼ö ¾ø´Ù. »õ·Î »óÇ°À» ±¸ÀÔÇÒ Àû¸¶´Ù ½º¸±À» ´À²¸¼ ±¸ÀÔÇÑ »óÇ° ÀÚü¿¡¼°¡ ¾Æ´Ï¶ó ±× ¹°°ÇÀ» ±¸ÀÔÇÏ´Â °úÁ¤¿¡¼ ½º¸± ¸¸³£À» Ãß±¸ÇÏ°Ô µÈ´Ù.
¸¸¾à ´ç½Å, ¶Ç´Â °¡Á·ÀÌ ¼îÇÎÁßµ¶ÀÌ È®ÀÎÀÌ µÇ¾ú¾îµµ ȸº¹µµ¿òÀ» ¹ÞÀ» ±æÀÌ ÀÖÀ¸¹Ç·Î ³«½ÉÇÏÁö ¸¶½Ê½Ã¿À. ÁÖÀ§¿¡ ã¾Æº¸¸é °ú¼Òºñ¿¡¼ ȸº¹µÇ°í ½Í¾î ÇÏ´Â »ç¶÷µéÀÇ ¸ðÀÓÀÎ ¡°ºÎäÀÚ È¸º¹¸ðÀÓ(Debtor's Anonymous)¡± ÀÌ Àֱ⠶§¹®ÀÌ´Ù.
ºÎäÁßµ¶ÀÚ È¸º¹¸ðÀÓ¿¡ Âü¼®Çϸé Á¤±âÀûÀ¸·Î 12´Ü°è ȸº¹ÇÁ·Î±×·¥À» µû¶ó¼ »óÈ£ Áö¿ø(Support), Èû(Strength), Èñ¸Á(Hope)À» ³ª´©¸ç ¼·Î¸¦ µ½°Ô µÈ´Ù.
12´Ü°è ȸº¹ÇÁ·Î±×·¥À¸·Î ȸº¹ÀÌ µÉ±î? ÇÏ´Â ÀDZ¸½Éµµ ÀÖÀ» °ÍÀÌÁö¸¸, 12´Ü°è ȸº¹ÇÁ·Î±×·¥À» ÀÚ½ÅÀÇ ´É·Â²¯ µû¶ó¼ Çϸé ȸº¹µÉ ¼ö ÀÖ´Ù.
½ÇÁ¦·Î ºñ¿ëÀÌ ºñ½Ñ ȸº¹ ¼¾ÅÍ´Â ¹°·Ð Áßµ¶Áõ Ä¡·á¸¦ µ½´Â °Ç° Àü¹®Àε鵵 12´Ü°è ȸº¹¸ðÀÓ Âü¼®Àº ´Ù¸¥ ¾î¶² ÇÁ·Î±×·¥º¸´Ùµµ Àå±âÀûÀΠȸº¹À» ´©¸®´Âµ¥ °¡Àå ÁÁ´Ù´Â À̾߱âµéÀ» ÇÑ´Ù. ±×¸®°í ´ëºÎºÐ Á¤½Å°Ç° Àü¹® Ä¡·áÀڵ鵵 Áßµ¶Áõ ȸº¹¿¡´Â ÇØ´ç 12 ´Ü°è ȸº¹¸ðÀÓÀ» Æ÷ÇÔ½ÃÅ°°í ÀÖ´Ù.
¢º ¼îÇÎÁßµ¶ ȸº¹ -¡°¼îÇÎÀÇ ¹«¾ùÀÌ ¹®Á¦Àϱî?¡± ¹æ¼Ûµè±â
¢º ¼îÇÎÁßµ¶ ȸº¹ -¡°ºÎäÁßµ¶ ¹®Á¦È®ÀÎ ¹× ´ëó¹æ¹ý¡± ¹æ¼Ûµè±â
¢º ¼îÇÎÁßµ¶ ȸº¹ -¡°¼îÇΰú ºÎä Áßµ¶ÀÇ È¸º¹¾È³»¡± ¹æ¼Ûµè±â
¢º ¼îÇÎ/ºÎä ¿Â¶óÀΠȸº¹ °Ô½ÃÆÇÀ¸·Î °¡±â
-ÀÌÇØ¿Õ ¼±±³»ç- ÇÑÀÎ Áßµ¶Áõȸº¹ ¼±±³¼¾ÅÍ Á¦°ø
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