The authors demonstrate that partitioning an aggregate quantity of a resource (e.g., food, money) into smaller units reduces the consumed quantity or the rate of consumption of that resource. Partitions draw attention to the consumption decision by introducing a small transaction cost; that is, they provide more decision-making opportunities so that prudent consumers can control consumption. Thus, people are better able to constrain consumption when resources associated with a desirable activity (which they are trying to control) are partitioned rather than when they are aggregated. This effect of partitioning is demonstrated for the consumption of chocolates (Study 1) and gambles (Study 2). In Study 3, process measures reveal that partitioning increases recall accuracy and decision times. Importantly, the effect of partitioning diminishes when consumers are not trying to regulate consumption (Studies 1 and 3). Finally, Study 4 explores how habituation may decrease the amount of attention that partitions draw to consumption. In this context, partitions control consumption to a greater extent when the nature of partitions changes frequently

Source: "The effects of partitions on controlling consumption" from the Journal of Marketing Research

If you want to get a better handle on your finances, I recommend this book.

Related posts:

Are your Facebook friends making you fat?

Here's a good, easy tip to help in losing weight.

Are fat people really jolly?

You should follow me on Twitter here or subscribe to this blog's feed. If you're a regular reader please support the blog by doing your book and movie shopping at the store. You'll find all my recommendations there. Here are the site's most popular posts of all time.