My impulsive streak can be one of my best points and also one of my downfalls. I love that I can decide to move to a new city in the blink of an eye or change my university course after 20 minutes mere thought (but knowing I was so right) but I hate that I can snap at people or spend a small fortune without thinking about it. That impulsive nature, especially when it comes to money is as much part of my DNA make up as my dark hair, weird feet and blue eyes but I’ve learnt ways to escape it. I got myself into crazy debt when I was a student because I’d just buy things on impulse and instantly regret it. I’ve learnt ways to stem my crazy impulsive spending ways and become a thrifty Mrs. See what I did there?
My number one way to stop impulse spending is to employ The Three Day Rule. If I see something I like that isn’t necessary to my living (food, medicine, bills) then I wait three days to mull it over. If I still want it in 3 days (and I can afford it) then I can buy it. It’s surprising the amount of times when the third day rolls around I’ll have decided I don’t actually need the item I’ve been lusting over. I like how it makes me think. It makes me decide if a pair of shoes will go with anything I have in my wardrobe. It makes me work out where exactly I’d put another bookshelf and most importantly it keeps me in check and helps me learn a little something.
How does it work with second hand things I hear you cry? In some instances it won’t – take for instance a boot sale. It won’t be there everyday and a seller may not be back even if it is. If I see something I like I ask them to put it to one side then take a walk around the entire site before deciding if I really need the item. I also set myself a very definite bootsale budget each time I go and refuse to go over it. When it comes other second hand items, I find charity shops and second hand shops will usually put something on hold for a week if you just ask, although I tend to give them a call after my self imposed 3 days if I know I’m not going to buy it, funnily enough I don’t do that for regular shops for some reason. It doesn’t always work for me. Sometimes that natural impulse over takes me, especially in charity shops. For the most part, especially when buying online or from high street stores I can walk away and have a think before spending the money.