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Borrowing to Cope with Life: The Reality of Retail Therapy

Truth Behind Retail TherapyPeople, in bouts of depression, have different ways of coping. Some people turn to stress eating, working out, playing sports, ranting on social media, writing blogs or shopping. The last example is a manifestation of what people now know as retail therapy. If, for example, you are stressed out but have no money, how will you be able to cope, then?

Rapid Loans, an online alternative lender, cites a few examples for smart borrowing. This’ll help you choose the right loan for whatever purchase or activity you have in mind, given your current financial standing. This involves four aspects: knowing your credit rating, never borrowing more than you need, reading the fine print, and asking the important questions. For you to be able to borrow efficiently and cope with life through retail therapy, make sure you know the loan you are applying for.

The Truth behind Retail Therapy

The Journal of Consumer Research cites how consumers turn to shopping when trying to cope with the hardships of life. The only difference it has from their typical shopping habits involves being much more selective in what they buy.

Tammy Faye Bakker once said, ‘I always say shopping is cheaper than a psychiatrist’ and this is what retail therapy is about. The aforementioned research reveals that consumers buy products as a reaction to their self-imaging, and also, as a way to shield themselves from their fears.

Another research from the same journal confirms the efficacy of retail therapy by stating how it can really benefit your well-being. Rik Pieters, a professor at the School of Economics and Management at Tilburg University, studied the bidirectional relationship between materialism and social isolation. He explains how materialism offers the tendency for one to feel lonelier, but it does work against depression for other consumers.

People choose to shop when they feel depressed because it is the act of buying and owning something new wherein they feel like they have recovered from a loss.

From Beaches to Grasslands: All the Places to Explore in New Zealand

New ZealandA holiday in New Zealand can be an expensive venture, but the vast beauty of this land makes it a prime destination for travellers, adventure seekers and newlyweds. Known for its picturesque landscapes and its unique climate, New Zealand is a favourite of people with a love for the outdoors.

Outdoor trips can be expensive as you will need to pay for equipment, lodging and guides. You can easily pay off your holiday by taking out a quick loan from places like Rapid Loans. Personal loans are perfect for paying for your trip, so you have the time of your life without shelling money up front.

The Grasslands

New Zealand is full of sprawling grasslands and majestic mountain ranges. The Kepler Track, one of New Zealand’s most popular walking and tramping tracks, takes three to four days to complete. The alpine tussock grasslands cover the area for kilometres in every direction. You will even get a chance to visit the Luxmore caves and to see the famous Iris Burn Falls.

The tussock herbfields are especially commonplace in the South Island. These expansive grasslands may even have larger snow grass that grows up to two metres in height.

The Beaches

The beaches of New Zealand are equally majestic and totally unique. Did you know that there are coastal hot springs found only on the Coromandel Peninsula? The Hot Water Beach looks like a normal beach at first, with its chocolate coloured sand and blue waters, but just two hours after low tide, the beach bubbles and gurgles as a natural hot spring rises from the ground. These unique coastal springs carry mineral rich waters full of calcium, magnesium and potassium.

For surfers, the Piha Beach in West Auckland has rips and currents that challenge surfers of all skill levels. Windswept with black, iron-rich sands, adventure seekers can brave the waves and have the time of their lives.

New Zealand is full of surprises. It is a wondrous place for holidaymakers.