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STOP THE SWIPE Tips for a Money Mindset Makeover
If you’re still feeling the financial sting of the recent holiday shopping season or struggle to pay off your credit card throughout the year, it may be time to rethink your spending routine. Most of us are guilty of impulsive shopping from time to time, but an occasional indulgence can become a dangerous habit if we’re not careful, especially with technology making it easier than ever to overspend. Here are three ways to curb the urge to splurge. Wipe your card info clean. There’s a reason why many apps and websites enable you to save your credit card information; it makes it easier for you to spend money! If you’re looking to reduce how often you experience the rush of an instant purchase, enter your payment
manually every time you go to check out. The extra time it takes to do so may be enough to help you realize whatever you wanted a moment ago isn’t as necessary as you thought. Choose paper over plastic. In addition to detaching your credit card information from your phone or computer, consider separating your card from yourself when you leave to go shopping. Carrying cash instead of card is a helpful way to slow spending. For one thing, it helps you maintain a set amount to shell out, which you’re reminded of as the dollars disappear. Second, cash doesn’t carry an interest rate. When you spend $4 on that cup of coffee you can’t resist, you’ll be out $4, not $4.80 when using a card that charges an additional 20%.
Delay, don’t dive. There will always be purchases, such as tickets for a concert that sell out within minutes or a future flight that becomes pricier as your departure date approaches, that will require you to reach for your credit card as soon as possible. That said, there are infinitely more things that you simply don’t need … at least not right away. When you encounter something online or in a store that you must have now despite it not being a scarce item, give it at least a day (or, even better, a week) before making your final decision.
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