Then I throw out the catalog and put the order form away for several days to a week. When I look it over again, I can't even remember why I wanted the items and the order form follows the catalog into the trash (or recycle bin) On the rare occasion that I still want one of the items I order only that.
By irisbird from Lillington, NC
Most of the time, I decide against the purchase after the first couple of questions but if I make it through all of them, I ask myself do I really need this and what else will I be giving up if I do purchase it?
I have found during the past couple of years that I am able to avoid almost all impulse spending in this manner and even most of the planned purchasing.
The only thing that is multiplying and expanding is my savings account, and the elimination of any debt, which makes me very happy. This is the 8th month in a row where I had more money left at the end of the month than I had planned on at the beginning.
While that moment is worth treasuring, the bill for it is not. Imagine having a dozen "priceless" moments in one month. Can you afford a few extra hundred dollars a month?
There has to be a limit to your "priceless moments." Yes, it's a precious moment to watch your child run across the calm waves on a Caribbean beach, but it's equally as precious to listen to his laughter as you play a board game together at the kitchen table. Yesterday at a Halloween parade, a piece of candy thrown from a float bonked me on the head and fell directly into my son's goody bag. Now that was priceless - literally.
There are many truly priceless moments that can be found. Visa isn't accepted at any of them.
By Barbara from Jacksonville, FL
By Joanne A.
The best money saving action I've taken is to sort the mail on my way in the house. Anything that is a temptation to spend goes in the trash can and never sees the inside of my house. I might have missed some sales, but when I don't even know what it is, I won't want it to begin with.
For that week and a half my bankbook was much easier to balance (no withdrawals or purchases to record), and it was happily full. I really noticed a difference without that here and there spending. Besides that, it made me think a bit more before buying something, and often after some thought I realized that I could do without it. Best of all, I had more time in my week without the many trips to one store or another.