Three Money Hacks To Stop Overspending

Are you ready for my three financial hacks to stop overspending for good? Well get ready. Today is all about how to approaching shopping in a new light. A light that’s clear and actually brightens all the areas you need to be focusing on before clicking that checkout button or before stepping into your checkout line.

Watch today’s video for the three financial hacks. You can watch online or down below:

Don’t fall for the sales trap. Stores are really good at marketing, friends. They have large departments full of staff members that are dedicated to dreaming up new sales and tricks to get you in the door. They’re good at it.They have a team dedicated to online ads (you know the ones you see all over after you look at one item – I still can’t shake the ad for black pants that I browsed weeks ago). They have staff dedicated to print ads, social media posts and tv commercials.Don’t fall for these traps. Most of the time you’re not saving more money (sometimes, yes). Their goal is to trick our brains into thinking we’re saving a ton so that we spend more in the end.
Learn to go without. Now I’m not talking about go without water or power or coffee. But I’m talking about learning to give up some of the smaller purchases. I mentioned a few of these in a post about what we gave up and have never looked back on. But think outside the box on things you could give up – cable, subscription services, coffee house runs, buying your lunch every single day while at work.
Pause before you click checkout. Are you an online shopping junkie? I am… to a point. I prefer to do 90% of my shopping online. Now that Walmart even has online grocery pick up ordering (new to grocery pick up – check it out with my referral link) I do even more from my phone or laptop. When you live in a smaller town, online is convenient and you find variety of options that you just don’t find at your local Walmart of JC Penney.However, I have a rule that I try to stick with. If I’m doing any major online shopping – clothes, large ticket items, a big order on Amazon then I pause. I wait about12-24 hours before I actually press checkout. I recommend you do the same.You need to make sure, really sure that you actually want and need those items. Sure adding $20 more will get you to free shipping, but shipping only costs $5. Do you need to spend an extra $15? Get what I’m saying. You need to think it over and make sure what’s in your cart – all of it is needed and are things you can afford.

What are some of your financial hacks to make sure you don’t overspend while shopping?

Are you a big impulse shopper? Check out my post to help cut that habit out.

Want more help?

Grab my 9-step Budget Success Checklist to help take better control of your money. That way when it’s time to do some shopping you’ll have the confidence that you have the money and all your bills are taken care of.