Shopping problem!!!

Alicia - posted on 03/24/2010 ( 6 moms have responded )




I recently just moved into my own place me and my daughter and I find myself always spending money. I make sure that the important things are paid and bought. I used to be very good spending within my budget or playing broke but I find myself always a Target or continously going grocery shopping when my freezer is packed and shelves are full. I slowing getting my apt together but sometimes when I buy something I have shopping remorse and have thoughts of taking everything I just purchase back. Now I dont shop according to a budget or clip coupons. How can I manage my fiances a little better and be ok with the neccessary shopping??


Beth - posted on 03/26/2010




youre shopping as a hobby!!!!!!

you need to figure something else out , the buyers remose is the first BIG clue !!!

make a list !
dont depart from the list
make a budget, hard expenses first , house insurance car payment
flexible hard expnses phone,electric and water
soft expenses,
food clothing and household
these are the ones most people dont control well, but theres room in the flexible hard expenses too, watch the electrical expenses, , turn off lights dry clothes on hangers not the dryer, are you paying for tv? why????
free movies and tv online ...

evaluate your phone usage and needs, do you have cell phone with unlimited and a home phone? ditch the home phone , otherwise youre double paying, if youre in an area where you have electrical choice , shop your carrier
, same with insurance...... 3 years ago we bought a car on our credit card(wait its not as crazy as it sounds) we had a zero interest card, and weve moved that balance as soon as the zero interest ran out to another card with zero interest, so , we paid the car off in the same 3 years, but never paid ANYinterest on it ... not everyone can , but its a thought...
the biggest thing is figure out why you shop whats motivating it .....


View replies by

Stefie - posted on 03/26/2010




I would start by going to the store and just looking. Then, keep a list at home of stuff you want/need at home. I would not go to Target because everything there looks so nice. I would also keep an eye out on freecycle and at garage sales, those are great bargin places.
If you are still having shopping control issues try only using cash. That will make it impossible for you to overspend if you only have so much cash on you.

Alicia - posted on 03/26/2010




Thanks girls, lol thought I was the only one who adores shopping and need to really slow down. I will take everybody advice accordly and see how it works for me but I'm a deal breaker love sales and markdowns,t so today I so resist a sale at my favorite store and they had their clearance items 50% off but I just looked and turn off my laptop and it was so hard but I did it. YAY!!!! But I will consider everybody ideas THANKS!!!!!

Amy - posted on 03/25/2010




I'd like to recommend Dave Ramsey as well. You can find a local program on his website. He's very good about outlining steps and budgeting so you can pay off any debt and save your money and spend it wisely.

I know I struggle with the same problem sometimes. I find myself rationalizing purchases... and it can be hard to know when you are making good choices or just rationalizing. Should I have spent $150 on 17 clothing items for my son last week? I got good prices for good clothes, and he's outgrowing what he has, but I still feel guilty. Our income was cut in half when I was laid off this summer.

Anyway, I can relate, and I hope you find the solution so you can feel secure about your spending decisions! Hang in there!

Debbie - posted on 03/25/2010




I have that problem at times. I want to do something with the kids but sometimes feel like everytime we go anywhere or I leave the house I end up spending money. One thing my 8 year old and I enjoy at times though is something that's relatively inexpensive. I give her $5 and we go looking around on a Saturday morning (if she doesn't have sports or something is going on) to garage sales. It doesn't happen often but she enjoys it. I've even seen her try to talk people down on prices as well. (smile)

If you really want to save money, it's bad to say but don't put yourself in those situations where the likelihood of spending money is pretty high. I've been trying to force myself to stay at home more often since I know when I find a reason to run to Target or Walmart for one little thing, I end up leaving with a whole lot more than 1 thing.

I've made myself though on impulse buys not buy immediately if they are over $50. I've forced myself to leave the store and if I still wanted it another day after giving it thought, then I will allow myself to get it and then it won't be an impulse buy any longer since I've thought it over.

You could also return stuff though if you do have buyer's remorse. I have. Although to be honest, I am one of those people who hate to return things. It gets easier the more I do it, but it's still not something I look forward to doing.

I do think coupons are wonderful though and I am one that loves thrift stores. I get such a thrill when I get a good deal. It's like I want to shout it out since I feel like I've saved money. I'll buy my clothes and my daughters' clothes from thrift stores at times. With me it's because I gained 50 pounds with my 2 year old that I still have on me and I HATE shopping for clothes right now since I don't want to stay this size and I don't want to spend a lot of money on clothes that I hope not to keep long. With the kids, they don't care yet. And with the way they grow or stain their clothes, it just seems to make more sense.

I actually just went to a thrift store and bought 2 pairs of jeans, 4 shirts, 1 outfit and a pair of shoes for me, 2 capris for my 8 year old, a pair of jeans, a pair of pants, 4 dresses, a pair of shoes, and a toy for my 2 year old and only spent $30 for everything. (Seems they were having a half off sale that I wasn't aware of when I went there.) But wow! I was so thrilled when I left there since if I just went to the store and bought me a pair of jeans it'd be that much or more.

But as far as the stores, I would just have some type of pad of paper (we have one with a magnet on it on the fridge) where we write down things that we need for when we go grocery shopping. If it's not something you need immediately, maybe you could force yourself not to go to a store except once a week and then at least you only have one day a week where you need to watch your spending.

Bethanie - posted on 03/24/2010



64 Dave Ramsey! Get started by getting his total money makeover book. Then get started on his baby steps. or are great resources for online coupons. Shopping grocery store advertisements and sales will help too. Using cash more then debit or credit cards (which should be paid off and cut up but you'll get to that part in the book) will help curb spending. Take out a set amount for clothes, toiletries, groceries, etc. each month and then once the cash is gone, that's it. This will help you get a better grasp on budgeting things. Making a list when you go to the store and sticking to it well help you not to purchase things you don't need and try shopping according to meals so every item you purchase has a purpose and won't just get thrown out when it goes bad.

Join Circle of Moms

Sign up for Circle of Moms and be a part of this community! Membership is just one click away.

Join Circle of Moms