6 ways to avoid retail therapy


Maybe you have too much downtime. Maybe you hardly have enough.

Maybe working from home makes it a little too easy to open emails about sales in your favorite store and spend a few minutes browsing and buying.

No matter what your specific triggers are, you can easily indulge in retail therapy. That’s when you use shopping to cheer up or avoid boredom. However, when you open your credit card statement for next month, the excitement of getting a discount on your purchase may be short-lived.

We have provided some strategies here to stop the credit card spread before it starts.

6 tips to stop yourself from indulging in retail therapy

There are some healthy and useful ways to take advantage of your downtime. Spending yourself on debt is not one of them.

1. Create a routine

When you are free during the day, retail therapy usually fills the gap. Todd Christensen, an accredited financial consultant at MoneyFit.org, recommends that you keep yourself too busy and don’t need to browse blindly.

“Keep your morning breakfast and exercise habits-learn a new skill,” he said. “Do something for yourself every half hour of the day, including some rest time for some fun or a nap.”

This is a good suggestion for lazy weekend afternoons or breaks between Zoom during the week.

2. Make a budget

There is nothing like checking your credit card balance to eliminate the pleasure of shopping indiscriminately.

Save the number (or your bank balance) on a sticky note on the top of your tablet, or use the number to set a reminder in your calendar to remind you when you are most likely to start reading. I’m looking at you midnight shoppers.

If your budget can accommodate some interesting money (and be realistic-your Emergency fund Use extra cash now? ), write this amount on a post-it note so that you know your monthly limit.

3. Stick to your list of essentials

Retail therapy rarely involves hoarding tissues or buying new air-conditioning filters. We are tempted by desire, not need.

Therefore, list the necessary items and stick to it.

Keep your list next to your computer (next to budget stickiness!) so you can refer to it when a pop-up ad tempts you to buy another pair of sunglasses. I don’t care that those pilots never give discounts-you don’t need them.

4. Limit FOMO bait

Organizing always feels good, so why not beautify your email inbox by unsubscribing from the retailer’s email list?

Not only can you avoid waking up in your inbox to receive 60 unread emails, but you can also avoid the avalanche of ads that shout that you can save a day in matching Christmas pajamas. You really don’t need those. Sorry.

Expert tips

Reduce targeted advertising in your feed by using private browsing mode. It won’t completely eliminate ads, but it can reduce the amount of information retailers can collect about your shopping habits.

Another trap to avoid: an enviable Instagram feed, including a beautiful living room makeover and essential jackets.

“Stay away from social media-this is a hotbed of dissatisfaction,” Christensen said.

5. It’s harder to buy

For those websites you visit frequently-just browse, you swear! — Make it more difficult to complete the purchase by removing the credit card from your online wallet.

“Better still, chopped [your credit cards] If you are really struggling,” Christensen said.

If your favorite retailer does not allow you to delete your payment information from your account, please log out to at least set up an additional barrier for purchases.

6. Fill your shopping cart! Then give it up.

Let yourself enjoy a little retail therapy window shopping.

Stay away from social media-this is a breeding ground for dissatisfaction.

Spend an hour (or two hours) filling up your online shopping cart with all the trivial things. Then, when you arrive at the checkout, please abandon your shopping cart. If you think it is possible to return to complete the purchase, please dump all items.

If there is something you can’t live without, please enforce a 24-hour waiting period for each purchase. When you return to your shopping cart, you can decide whether yesterday’s must-have items are still in urgent need today.

Tiffany Wendeln Connors is the full-time writer/editor of The Penny Hoarder.read Her biology and other work is here, And then find her on Twitter @TiffanyWendeln.


Source link

Recommended For You

About the Author: News Center