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Does Technology Bust Your Budget?

In recent years, technology has become more of a “need” than a “want”. Not having your phone 2 feet away can literally take you into panic mode! Or the inability to be connected to the internet is a shocker! However, all of these advancements also have an impact on our personal finances and the ability to pay off debt. So, does technology bust your budget? If so, how do we tackle this situation? Let’s find out.

Too much technology can put you in credit card debt if you're not careful.

Too much technology can put you in credit card debt if you’re not careful.

Does Technology Bust Your Budget?

It feels like the truth when we say cable, internet and cell phones are as important as housing or food. However, these are actually luxuries of convenience. Using your phone to shop online or to browse through 200+ channels on cable isn’t a necessity! What you need to remember is that while technology is a great tool, it’s also a source of accumulating consumer debt. Purchasing tech devices or associated services are more often than not impulsive. Therefore, it directly impacts your ability to maintain discipline on your budget.

The point is, you need to make informed decisions about how and to what extent you use technology. Do you really need those extra TV channels or can you do with a $9.99 streaming service? Do you really need that big data plan on your phone or can you discipline yourself to minimize data usage when you don’t have Wi-Fi? Do you have the guts to delete those convenient store apps off your phone so that you would control your impulse shopping?

Directly and indirectly, technology bust your budget. In order to successfully manage your finances, you still want to practice basic principles like budgeting, expense tracking, and more. However, you also need to have measures to control your urge to spend with technological advancements.

Your financial behavior and your attitude will help you get out of debt fast.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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