3 Steps to Take Control of Your Wallet
Do you always feel the impulse to shop every time you receive your paycheck? Are you battling with reasons for shopping such as to de-stress, to reward yourself after a stressful work week or the like? If so, then you suffer from emotional shopping.
Many people right now fall prey to emotional shopping or spending. It is a situation wherein your wants control the way you spend your money. This is a bad case because it leads to a cycle of overspending and poor budgeting.
To avoid being a victim of emotional spending, here are some tips that can help:
1. Give yourself time. Every time you find yourself picking up something unplanned while in a store, give yourself time (approximately 24 hours) to reconsider if you really want to buy it or not. Most often, you’ll be more rational about purchasing it. Maybe you will even decide on not buying it or delaying its purchase. Remember this tip every time you go shopping.
2. Unsubscribe from alerts from your favorite online stores. One of the common reasons of impulse shopping is online ads. Surveys show that shoppers tend to instantly use their credit cards every time they receive an ad alert of a new product. Prevent this from happening to you by unsubscribing to your favorite online store’s mailing list.
3. Create a wish list. Shopping is hard to avoid but it is manageable. One way to manage emotional spending is to create a monthly shopping list and a budget for it. Doing this helps you achieve your wants without going over the budget. This is a less stringent way to manage your shopping problem. Thus, you will be able to stick to it longer.
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