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    How to Stop Buying Sh*t You Don’t Need

    1. Marnie Schember

      December 4th, 2016 at 4:02 pm

      I have a question. I am a stay at home mom. My husband makes a pretty decent salary, so how do I apply the “how long will I have to work to pay for it” rule? Just plug in how many hours he work rule? My problem is that I don’t ever think about it because he does make a decent salary, so there is always money there???? I have a horrible time with impulse buys. But immediately after I am consumed with guilt. Unfortunately to not enough guilt to return the purchase. It’s putting a strain on our relationship and I’m just really tired of not being able to control myself. Any suggestions for me
      Thanks

    2. Stefanie

      December 4th, 2016 at 4:39 pm

      Hey Marie, In addition to implementing some of the other tips like the 24 hour hold policy, keeping away from temptation, practicing gratitude and unsubscribing from tempting email offers, maybe you can speak to your husband about how you feel, and the two of you can come up with a budget for each of you to spend on “fun/ personal stuff” each month. You can then use a prepaid debit or gift card with that amount for the month. When you have a set, self-imposed limit, every purchase suddenly has you considering the opportunity cost of what else you might want to buy with that money, providing an additional moment of pause before every purchase.

    3. Ashley

      January 16th, 2017 at 8:37 pm

      I use my husband’s hourly salary. He has a very dangerous job so it really helps!

    4. Stefanie

      January 17th, 2017 at 4:44 pm

      Oh yeah, an hour of dangerous work definitely has a higher premium. Takes the “is it worth it” question to a whole new level.

    5. SMW

      December 29th, 2016 at 7:56 pm

      Great ideas. I think avoidance is the greatest tool to not spending. If you’re busy in your life then you have no time to spend, nor do you think you’re missing anything that needs to be purchased. Being happy and busy is the best option. And busy doesn’t mean being stressed, but rather it means being busy and contented.

    6. Stefanie

      December 29th, 2016 at 10:48 pm

      Agreed. Idle wandering is never good for your wallet.

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