{"id":27290,"date":"2020-11-30T18:43:15","date_gmt":"2020-11-30T18:43:15","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=27290"},"modified":"2023-08-28T06:20:19","modified_gmt":"2023-08-28T06:20:19","slug":"check-your-shopping-impulse","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\/check-your-shopping-impulse","title":{"rendered":"Check Your Impulse – Impulse Spending"},"content":{"rendered":"

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Impulse Spending<\/p>\n

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Learn how to control your shopping sprees.<\/p>\n

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Impulse Spending
Check Your TEMPO<\/span><\/h1>\n

Change takes effort and can cause stress. Focus on what YOU can control and the changes YOU can make for yourself. This will minimize your stress and keep your energy pumping! But before you make any changes to your spending behaviour, identify the triggers that deplete your personal resources and energy and cause you to impulse shop. When you\u2019re heading out the door, keep your\u00a0TEMPO\u00a0<\/strong>in mind.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||110px|||” custom_padding_tablet=”||160px||false|false” custom_padding_phone=”” bottom_divider_style=”ramp2″ bottom_divider_color=”#e4f8e0″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row disabled_on=”on|on|off” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

(T)ime of Day<\/h2>\n

Is there a time when you have more energy? Shop at times of the day when you have more energy and feel less stressed and pressured so that you will be able to make wiser choices.<\/p>\n

(E)nvironment<\/h2>\n

Are there certain environments that cause you to want to spend or make you feel obligated to spend just because you\u2019re there? For example craft fairs, home shows, malls, electronics stores, when you\u2019re on holidays or away from home on business are all times when it\u2019s easier to spend impulsively. Limit your opportunities to spend in such environments by either not going there or keeping your money safe from yourself. More on that next!<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/tired-and-stressed-shopping_2colm.jpg” alt=”Tired And Stressed Shopping” title_text=”tired-and-stressed-shopping” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||35px||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” hover_enabled=”0″ border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

(T)ime of Day<\/h2>\n

Is there a time when you have more energy? Shop at times of the day when you have more energy and feel less stressed and pressured so that you will be able to make wiser choices.<\/p>\n

(E)nvironment<\/h2>\n

Are there certain environments that cause you to want to spend or make you feel obligated to spend just because you\u2019re there? For example craft fairs, home shows, malls, electronics stores, when you\u2019re on holidays or away from home on business are all times when it\u2019s easier to spend impulsively. Limit your opportunities to spend in such environments by either not going there or keeping your money safe from yourself. More on that next!<\/p>\n

(M)ood<\/h2>\n

Certain moods and emotional states deplete your energy resources and can make you more prone to impulse purchasing. Other moods colour your shopping with \u201crose coloured stickers\u201d and everything looks like a great deal. Identify the moods that affect your spending behaviours: happy, sad, hungry, tired, distracted\u2026 and find ways to not shop during moods that will cause you to impulse buy.<\/p>\n

(P)lace<\/h2>\n

Is there a certain store or city that\u2019s your weakness? Do you like to shop for craft supplies at a favourite store? Do you like to wander the aisles in the home improvement or tool store looking for great deals or ideas? Maybe you find yourself impulse shopping when you visit a certain city. If there is a place to avoid, do all that you can to limit your opportunities to go there. If you must still go, then keep your money safe from yourself\u2026 more on that shortly.<\/p>\n

(O)ccasion<\/h2>\n

Is there a specific holiday or tradition that causes you to impulse buy? Does shopping with a certain friend contribute to unplanned spending? Do you spend impulsively when you know that you\u2019ll be getting a lump sum of money but you haven\u2019t got it yet, e.g. a bonus at work? Occasion-determined spending can be best controlled by having a budget that allows for seasonal and irregular expenses.Keeping your money safe from yourself will assist with this as well.<\/p>\n

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(M)ood<\/h2>\n

Certain moods and emotional states deplete your energy resources and can make you more prone to impulse purchasing. Other moods colour your shopping with \u201crose coloured stickers\u201d and everything looks like a great deal. Identify the moods that affect your spending behaviours: happy, sad, hungry, tired, distracted\u2026 and find ways to not shop during moods that will cause you to impulse buy.<\/p>\n

(P)lace<\/h2>\n

Is there a certain store or city that\u2019s your weakness? Do you like to shop for craft supplies at a favourite store? Do you like to wander the aisles in the home improvement or tool store looking for great deals or ideas? Maybe you find yourself impulse shopping when you visit a certain city. If there is a place to avoid, do all that you can to limit your opportunities to go there. If you must still go, then keep your money safe from yourself\u2026 more on that shortly.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/tired-and-stressed-shopping_2colm.jpg” alt=”Tired And Stressed Shopping” title_text=”tired-and-stressed-shopping” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” hover_enabled=”0″ border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|off” _builder_version=”4.16″ _module_preset=”default” custom_padding=”2px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

(O)ccasion<\/h2>\n

Is there a specific holiday or tradition that causes you to impulse buy? Does shopping with a certain friend contribute to unplanned spending? Do you spend impulsively when you know that you\u2019ll be getting a lump sum of money but you haven\u2019t got it yet, e.g. a bonus at work? Occasion-determined spending can be best controlled by having a budget that allows for seasonal and irregular expenses.Keeping your money safe from yourself will assist with this as well.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”0px||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||-90px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”35px||||false|false” custom_padding_phone=”55px||165px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Tips to tie up your funds to keep them safe from yourself!<\/h3>\n

Despite your best efforts to control your TEMPO and stay on top of your energy resources, you still may need a little help controlling your impulse purchasing and maximizing your ability to make wise choices.<\/p>\n

Once in place, this is the easy part! Tie your money up to keep it safe from yourself:<\/h3>\n
    \n
  • have two bank accounts and keep your savings separate from your chequing or routine transaction account<\/li>\n
  • only allow deposits to your savings account when doing electronic (ABM) or internet banking \u2013 set it up so that you have to go to the teller to make a withdrawal<\/li>\n
  • set up direct deposit to your savings account for a portion of your pay cheque \u2013 out of sight, out of mind<\/li>\n
  • move your savings account to a financial institution that you don\u2019t go to frequently<\/li>\n
  • take your savings account off of your ATM card or move it to the \u201cother\u201d button so that you can\u2019t access it in the stores<\/li>\n
  • lower your cash withdrawal and debit limits on your ATM card<\/li>\n
  • don\u2019t shop with your credit cards in your wallet \u2013 keep them locked up in your safety deposit box<\/li>\n
  • keep track of your credit card spending with a cheque register booklet \u2013 jot each purchase down as you do when you write cheques. This gives you a very visual account of what you\u2019ve charged and will need to pay for later.<\/li>\n
  • only pay with cash \u2013 once it\u2019s gone, it\u2019s gone<\/li>\n<\/ul>\n

    Now that you\u2019re aware of some of your triggers and you\u2019ve tied up your money to keep it safe from yourself, the final step that will help you control your impulse spending behaviour, is to plan to walk to a different beat, literally. Fill in the following table based on your TEMPO and plan your steps to change:<\/p>\n

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    If you’re struggling and are wondering how to move forward, give us a call. We’re happy to answer your questions and help with any financial advice you need. It’s possible that all you need at the present time is the right information or a plan for how to move forward once your situation improves. Give us a call if you have any questions. Speaking with us is always free, confidential and non-judgmental.<\/p>\n

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    Related Topics<\/h2>\n

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    Getting Rid of Debt<\/h3>\n

    We’re happy to help you figure out your options. There are more than you might think.<\/p>\n

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    Financial Calculators<\/h3>\n

    A picture can tell a thousand words. Manage money better when you see how you stack up.<\/p>\n

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    Track Your Spending<\/h3>\n

    An essential part of building a budget is tracking how much you actually spend. Here’s how.<\/p>\n

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