Seven ways to overcome impulsive spending habits 

The impulse to spend is completely understandable: Buying yourself something nice is a good feeling. When that spending exceeds your budget, though, you can be left with regrets and unmet financial goals. 

The triggers (both inside us and externally) that lead us to make impulsive purchases vary from person to person. Overcoming impulsive spending habits is all about knowing which of these triggers influence you. 

1. Find your emotional triggers 

Overspending and impulsive buying are often triggered by strong emotions. Some people overspend when they feel: 

• Sad (“This purchase will make me feel better.”) 
• Stressed (“This purchase will help calm me down.”) 
• Tired (“I don’t care that it costs too much. I want it.”) 
• Happy (“Let’s celebrate!” or “I deserve this.”) 

When you feel the impulse to buy immediately, take a moment to check in with yourself. How are you feeling currently? Once you know your emotional triggers, you can look for alternative ways to handle those emotions. 

2. Try the 48-hour rule 

You feel a thrill when you spot a new product or a good deal. But after the emotion has faded away, do you want it just as much?  

Using the 48-hour rule, you make a note of the item, then give yourself 48 hours to consider it. The waiting period lets you make a decision based more on logic and less on emotion. You can also use these 48 hours to comparison shop, research alternatives, or look for a coupon or promo code. 

3. Slow down the online purchase process 

Online shopping is an especially easy way to overspend because so little effort is involved. For websites where you struggle to remain on budget, consider removing your payment details. Without the option to buy with a single click, you allow yourself more time to consider what you truly want. 

4. Block out advertising that tempts you 

Advertising is designed to play on your emotions and spur you into making quick purchases. While watching TV or streaming services, you can mute or fast-forward through commercials. Online, you can consider ad blocker software. 

5. Avoid shopping for food while hungry 

Similar to the emotional triggers from #1, hunger can leave you vulnerable to messages and displays promoting food items. A meal before shopping for groceries will let you make decisions based on logic instead of your rumbling stomach. 

6. When shopping in person, bring a list 

A shopping trip without a list in hand can be like an invitation to grab whatever looks good. With a list, you can focus on items you know for certain you need or truly want.  

7. Within your budget, remember to treat yourself 

When you create your monthly budget, allocate some of your income for the small things that brighten your day. Budgeting is about ensuring you get maximum value out of your money, not depriving yourself.