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Last updated on 2024年5月23日

What strategies do you use to resist impulse buying?

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Impulse buying can often lead to financial strain and regret, yet it's a common challenge many face. This behavior is typically triggered by emotions rather than needs, leading to purchases that may not align with one's financial goals. Understanding how to resist impulse buying is crucial in maintaining sound financial health and ensuring that your purchases are thoughtful and necessary. The strategies discussed here aim to help you take control of your spending habits and make more deliberate decisions when it comes to your purchases.

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Matt Schulz

Personal finance expert | Author, "Ask Questions, Save Money, Make More" | Writer | Speaker | As seen on GMA, WSJ, NYT,…

1 Budget Wisely

Creating a budget is the cornerstone of financial discipline. By knowing exactly how much you can spend each month on different categories, you can allocate funds for necessities, savings, and even leisure without compromising your financial stability. When you have a budget, you are less likely to make impromptu purchases because you're aware of the financial boundaries you've set for yourself. It's essential to review your budget regularly and adjust it as needed to stay on track.

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Matt Schulz

Personal finance expert | Author, "Ask Questions, Save Money, Make More" | Writer | Speaker | As seen on GMA, WSJ, NYT, CNBC
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A budget is vital. Some people see them as stifling and restrictive, but the truth is that a well-run budget is actually freeing. For example, if you go overboard on an impulse buy, you can go into your budget and shift some money around to make sure everything stays on track. Of course, you don't want to go off the rails too often or to too big a degree, but if you do slip from time to time, a budget can make cleaning up your mess a whole lot easier.

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2 Needs vs. Wants

Understanding the difference between needs and wants is fundamental in curbing impulse buying. Needs are essentials, such as food and housing, while wants are items or services that enhance your lifestyle but are not vital. Before making a purchase, ask yourself if the item is something you truly need or if it's simply a want. If it's the latter, consider delaying the purchase or skipping it entirely to avoid unnecessary spending.

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3 Delay Tactics

Delay tactics are powerful tools in resisting the urge to buy on impulse. Instead of purchasing immediately, give yourself a set period, such as 24 or 48 hours, to think over the decision. This cooling-off period can help diminish the emotional pull of the item and allow you to evaluate if it's a worthwhile purchase. Often, the desire to buy something fades over time, saving you from a potentially regrettable expense.

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Matt Schulz

Personal finance expert | Author, "Ask Questions, Save Money, Make More" | Writer | Speaker | As seen on GMA, WSJ, NYT, CNBC
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The 24-hour rule can be a really powerful weapon against impulse spending: In short, if you think you want something, give it 24 hours. After that, if you still really want it, go for it. If not, move on. It definitely requires discipline, and it certainly isn't foolproof, but there's no question that it can be an effective tool.

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4 Shopping Lists

A shopping list acts as a physical reminder of what you need to buy, helping you stay focused and avoid unnecessary purchases. By sticking to a list, you can streamline your shopping trips and resist the temptation of items that catch your eye but aren't essential. Always prepare a list before heading out and commit to only buying what's on it; this will reinforce your self-discipline and reduce the likelihood of impulse buys.

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Matt Schulz

Personal finance expert | Author, "Ask Questions, Save Money, Make More" | Writer | Speaker | As seen on GMA, WSJ, NYT, CNBC
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Just the simple act of making a list can completely change the complexion of your shopping trip. It can transform it from a meandering browse in which you're looking for inspiration -- and hence more susceptible to your impulses -- to a focused mission. Of course, it doesn't guarantee that you won't fall for something that catches your eye while you're there, but it is certainly better than no plan at all.

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5 Cash Over Cards

Paying with cash instead of credit or debit cards can make you more conscious of your spending. Physically handing over cash and watching your wallet thin out can have a psychological impact, making you think twice about a purchase. Cards, on the other hand, can abstract the sense of spending, leading to easier impulse buys. If you find yourself frequently succumbing to impulse purchases, consider withdrawing a set amount of cash for discretionary spending and leave your cards at home.

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Matt Schulz

Personal finance expert | Author, "Ask Questions, Save Money, Make More" | Writer | Speaker | As seen on GMA, WSJ, NYT, CNBC
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There's no debate... people spend more when they use plastic. Yes, there are plenty of benefits to using a credit card wisely (rewards, consumer protections, convenience), but if your primary, overriding focus is avoiding overspending, you're almost certainly better off paying with cash than with a card.

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6 Reflect Regularly

Regular reflection on your spending habits can help identify patterns and triggers of impulse buying. Keeping a spending journal or reviewing your bank statements can make you more aware of where your money is going and why. Reflect on the emotions or situations that lead to impulsive purchases and develop strategies to counteract them. This self-awareness is a significant step towards better financial management and resisting the allure of impulse buying.

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7 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

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Sarah Brady

Freelance Finance Writer | Former NFCC-Certified Credit Counselor & HUD Housing Counselor | Money Nerd ??
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Get WAY ahead of the problem. Instead of hoping your willpower will take over at the register, take proactive moves to make shopping less convenient and cut off temptation. For example: -Cancel your Amazon subscription -Delete your credit card info from retail accounts -Fully avoid stores that encourage shopping as a form of entertainment (Target, Ross, Costco...) -Make a list of local vendors you can go to for hardware, toiletries, gifts, etc. Yes, these shifts make shopping more time-consuming, but that's the point. You'll have to plan ahead and find the time if you want to spend money.

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What strategies do you use to resist impulse buying?

1

2

3

4

5

6

7

1 Budget Wisely

2 Needs vs. Wants

3 Delay Tactics

4 Shopping Lists

5 Cash Over Cards

6 Reflect Regularly

7 Here’s what else to consider

Business Management

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What strategies do you use to resist impulse buying?

1

2

3

4

5

6

7

1 Budget Wisely

2 Needs vs. Wants

3 Delay Tactics

4 Shopping Lists

5 Cash Over Cards

6 Reflect Regularly

7 Here’s what else to consider

Business Management

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感谢您的反馈

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