I don’t know about any of you but I am definitely an impulse buyer. I think I need that lipstick when really I just want it. I think I have to get that new handbag when I’m simply lusting over it and I actually don’t need anymore bags. However, when you’re in the mindset of thinking you NEED something, it’s not easy to then convince yourself that you don’t. I’ve put together a list of tips that help me out when I’m feeling spendy, hopefully they will help you too!
1. Make a reason to stop spending money on pointless things. Whether it’s because you’re saving up for a deposit on a house, that designer handbag you’ve wanted for ages, or an amazing holiday, have a goal. I find that when I don’t have anything that I’m putting my money away for, I find it hard to find a reason why I shouldn’t buy things.
2. Avoid going shopping by yourself. This may sound silly but if you are shopping with your boyfriend or a friend, as opposed to on your own, and you’re debating whether to buy that pair of shoes, they’ll know about your spending ban and they will convince you not to buy those shoes.
3. Prepare your lunch everyday. If you’re anything like me and spend about £5 on food everyday, that’s about £25 a week you could be saving! Taking leftovers of last nights tea to work or preparing a salad in the morning, you won’t be tempted to go out and buy anything, because there will be no need!
4. Put cash that you don’t need in the bank. I get that most people have their money paid straight into their bank so this isn’t relevant to you, but if you get given money for your birthday, put it in the bank. I feel like if I have cash I am more likely to spend it as opposed to if it was in my bank.
5. Try to avoid those dreaded marketing emails. When you receive these emails shouting 20% off or free delivery, don’t even open them, just delete them. I get hundreds of these everyday so now I often go through and delete them before reading to try and avoid temptation.
6. Delete any clothes/makeup related apps off your phone. I tend to check them out everyday and always end up finding things I want to buy as it’s so easy to do on your phone, too easy!
7. Have a look at what you already own. One of my biggest spends on a monthly basis tends to be makeup. I have accumulated drawers full of makeup in an attempt to keep up with the trends. Looking back through my draws I found a lot I haven’t ever used and discovered some old favourites, I have started using some of these items again and now I wonder why I ever left them in the first place. There is a satisfaction you get that is almost similar to shopping and it’s a perfect way to stick to your spending ban.
8. Create a wish list instead of checking out. If I’m trying not to spend money, I make a wish list and build it up with things that I am lusting after. Every week I add and remove products and I know that any product that stays on my list is one that I really want, therefore will invest in once my spending ban is over.
9. Swap and share. Go round your friends house or ask your sister and swap some makeup or clothes that you no longer need, with something that she doesn’t need. It benefits the both of you and stops you spending money!
10. Forgive yourself if you mess up. I’m sure many people will raise their hands and admit they mess up when they start something new, especially a spending ban. It’s so easy to slip up and make a purchase. First off, move past it and don’t be tempted to postpone your spending ban. Also, don’t beat yourself up about it. Have a fresh start or go on as if nothing happened, just try and make sure you don’t slip up for a second time!
I hope you found these tips useful and please share with me any other tips you may have to survive a spending ban.