How to Avoid Impulse Purchases

We’ve all been there. You run into the store for one thing. Like a gallon of milk. Somehow, you walk out with three scented candles, a new tumbler, and a snack you didn't even know existed. Impulse purchases can sneak up fast, but with a few small tweaks, you can keep your spending in check without feeling like you’re missing out.

Here are three simple, realistic ways to avoid those impulsive moments:

1. Make a List and Stick to It 

It sounds basic, but it works. Before you head out to the store (or even scroll online), jot down exactly what you need. Having a physical list keeps your focus on the must-haves—not the shiny distractions in the Target dollar aisle or the late-night Amazon lightening deals. Plus, how satisfying is it to check things off your list?

2. Try the 24-Hour Rule

When you find something you really want, give yourself a day to think it over. Chances are, once the initial excitement wears off, you might decide you didn’t actually need it after all. If it still feels like a good idea after 24 hours, you’ll feel more confident about the purchase—and your wallet will thank you.

3. Budget for Treats 

Let’s be honest, we all like to treat ourselves every now and then. And that’s okay! The key is building “fun money” into your budget. Setting aside even just a few dollars a week towards a guilt-free spending limit lets you enjoy a little impulse buy without blowing your budget. It’s like giving yourself permission, but with boundaries.

Controlling impulse spending doesn’t mean you have to cut out all the fun. It just means being a little more intentional. With a these simple habits, you can stay in control of your money and still enjoy a little splurge now and then.

Need help setting up a budget that works for you? The in-house financial counselors at your local SAFE Federal Credit Union are here to help walk you through it. Set up an appointment today.