We’ve all had our lows when it comes to retail therapy, but here’s how you can still do it responsibly
We all have our own coping mechanisms when stress strikes a little too hard on an unexpected day. There are some who run to the nearest cafe to buy their favorite drink, while others prefer to just stay in bed and hide underneath the comfort of their covers. It’s like an automatic switch that turns on when the load gets too heavy for our liking.
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However, there’s another way to cope with stress and most of the time, we exceed the budget just to satisfy our needs. It includes the tapping of check out buttons or the sudden swiping of cards to buy the item you might not even need. To avoid this from happening again, we’ve cracked the code on how you can go through your retail therapy journey like a responsible shopper.
Is it a need or a want?
Once you’re in the shopping headspace, it’s hard to figure out if you really need whatever it is you’re thinking of buying or not. That’s why before going on a spending spree, make sure you think about your purchases beforehand. Do it when you’re not stressed and make a list of the things you know you need. Categorize them so you’ll know what to prioritize and which ones you’ll save for later. But if you think you’re just eyeing it for the sake of spending, then best to just remove it from your cart.
Plan out your purchase
A little planning won’t hurt and it will definitely help you save up some money for the future. After making your list of needs and even wants, it’s perfectly fine to plot out when to make the purchase. You can spread them out by pay or by months, depending on how you want to handle your costing.
Go for installments
Everyone, say thank you to installment plans! They’re the reason why we can kind of cheat the system of paying on the spot since they give us enough time to save up for our shopping sprees. Although, never take advantage of this too much because you might be left with a painstaking amount of piled up debt.
Photos: MEGA ARCHIVES
