If you’ve been there, done that and are
guilty of it, here are some tips to curb your temptation of overspending and
impulse shopping.
1.
Stick to a budget
Start with making a budget. Mention even the
minutest of details, including all groceries, toiletries and everything that
you would spend on in any given month. Keep a buffer for contingencies. Once
you have a budget in place, you need to stick to it.
2.
Sleep over it
If you’ve seen just the thing you wanted in
the display, or fumbled upon it while surfing online, and you need it very
badly, don’t buy it right away. Sleep over it. delaying the decision overnight
cools off the emotions and lets logic set in. With a fresh perspective in the
morning, think again if you really need it. Do not get tempted by offers and
deals that’ll last less than 24 hours. If you really need the item, sale will
come back.
3.
Have a shopping list
Always make a shopping list whether you are
going to the store to shop or are ordering online. Stick to the shopping list.
Do not get swayed by temptation.
4.
Say no to promotional material
Brand promotions are designed to lead you
into temptation. Unsubscribe from promotional emails, get rid of flyers. The
minute you pay attention to the offers, you’ll want to check out what’s on
sale, one thing will lead to another and you might end up overspending.
5.
Avoid shopping when you are emotional
If you are elated or glum, do not let
shopping be the target of your outburst. In either of the cases, you may be
prone to overspending just satiate your emotions. You can seriously blow up
your budget in an emotional rush.
6.
Do not keep money with you
Keep your cards locked away and just carry
the cash you need as per the shopping list. Do not have extra money at your
dispense. You won’t spend, if you don’t have it.
7.
Avoid going shopping with friends
Unless you have a friend whom you can trust
to help control your over-spending. Actually, if you can have a shopping buddy,
who can help you with your addiction by restricting your impulse purchases.
At the end of the day, all of these tips boil
down to will power. You will have to make your will power strong, and only then
you can get the most valuable of all things, peace in life!
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