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Shopping Tips

Hey y’all, any shoppers out there? I’m one, I like to shop, and I especially like to shop when I feel a bit stressed out. I mean, they don’t call it retail therapy for no reason 🙂 But too much shopping can definitely be not good for the budgeting, and as someone who is trying to pay off her student loans early, not to mention start saving for retirement, budgeting is super important. So for this week’s tip, let’s go into some shopping tips.

Do I need or do I want? This is a big question I ask myself before purchasing anything in a store or online. Certain things have to be purchased, and I am also not saying not to buy anything that you want, and only to buy stuff you need, because that’s no fun. But ask yourself this question, along with when will I wear/use this? I found a beautiful dress this past weekend when I was out at a store, and I truly wanted it, but I for the life of me, could not think of an instance when I would wear it. I have nothing coming up that would require this dress, and while it was really pretty, I ultimately decided that I would rather have the money than have a dress hanging in my closet for who knows how long without an occasion for it. However, I also found something else for my room that I could easily picture where it was and what it would be used for, and while it wasn’t necessarily a need, it was something I could immediately find use for, so I purchased it. Again, not completely going wants versus needs, but also making sure that there’s a purpose for my shopping.

How often do we go through our houses and look through our things, some that we’ve never used, and wonder, why do we even have this, why did we spend the money on it? You can try to resell and get some of your money back, but let’s face it, you’re still taking a loss. That’s why it’s so important, especially if you don’t just have endless money to spend, to really think about purchases to ensure you don’t get buyer’s regret or end up months later just giving it away to charity after never using/wearing it. So take a couple of beats, and really consider if you want this. Another trick is to walk away without it and if you are still thinking about it the next day or in a couple of days, then it’s not likely just an impulse buy. But if you’ve completely forgotten about it, then you didn’t really want it that badly after all.

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Snowball Your Debt

A great way to pay down your bills is to snowball your debt. Take your smallest debt, and pay it off while making the bare minimum payments on other things. Then, continue doing this to different cards/debts, until your debt it paid off.

Have a No Spend Day

Have a no spend day and find time to do things that don’t cost money. The possibilities are limitless, and this is the perfect way to get some me time or bond with family or friends.

Update Your Bathroom

Add a fresh pop of color this season by updating your bathroom. Something as simple as a new rug or new shower curtain can breathe new life into a room.

Go Brandless

Save yourself money by going for off-name brands. I shop at Aldi to get some of my groceries, and it’s a lot cheaper, for exactly the same thing, all because it’s not the standard brand. Same thing at a big store, go for their brand rather than another. It’s the same product, for less.

Get a Timer for Your Lights

This is a lifesaver, especially with how hectic the holidays can be. Get a timer for your lights, and save money. You can set them to run for only a few hours, and the best part, you can go to bed without worrying about leaving them on all night.

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