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Overspending is easy any time of the year, let alone on Black Friday 2010 and through Christmas, when the sales are spectacular. If you need help reining yourself in, read on.
- Force yourself to buy only when an item is on sale and you have a coupon. With this double whammy, you’ll be sure to be getting a good, if not great, price.
- Is the item on your needs list, as opposed to your want list?
- Forget price tag, what is the item worth to you? How often will you use it? Have you been needing it for some time? Let your answers dictate your actions.
- Have you already saved the money? If not, put your wallet away.
- Does the item fit into your budget? If not, what will you cut out to make room for your new find?
- If you’re shopping with a friend, what does s/he think about the purchase? A good friend can help you walk away from impulse buys.
- If you have no willpower to say no to the fabulous shoes at say, Nordstrom, avoid walking in the store. I haven’t been to a Nordstrom in years, and guess what? I’m surviving.
- Lastly, ask yourself how high you want your January credit card bill to be. Check your balance online or over the phone to keep up to date on your total spending.
I motivate myself to stick to these rules by giving myself a no-guilt gift. Tucked into my Christmas budget is $10-$100 for me to spend, no questions asked.
How I got my Black Friday 2020 deal already!
Cyber Monday guide to safe online shopping