Provided by the state director of AARP in the Everett Herald, 4/22/10:
Resisting the urge to buy
-Make a list.
-Leave the kids at home.
-Clear your mind.
-Make quick trips. The longer you stay in a store, the more likely you are to spend more.
So some of these ideas aren’t realistic. I can’t always leave my kids home when shopping, but I do exercise the right to say “no”.
Also I had a conversation earlier this week about paying cash. It’s great to pay cash, but make sure you don’t carry too much cash with you. I call it “painting yourself into a corner”. Carry a small amount of cash with you. The more cash you have, the more likely you are to spend. Also, only keep a certain amount of money in your debit account. We keep $150 for every 2 1/2weeks. That’s for gas and other incidentals. We only fill up gas every 2 1/2-3 weeks (short commutes). This works for us. You need to find what works for you.