How to stop impulse spending online

If you are anything like me you love shopping the online sales, especially when you get emails every week telling you about the ‘70% off sale and free delivery when you spend £30!’ You add an item here and there and before you know it you have spent over £100 on clothes.

How to know if your online shopping habit is a problem — and what to do if  it is

But when you are on a budget this is not ideal and can cause some people to get themselves into even more debt and over spend.

I was that person, I would shop the boxing day and January sales to find the best bargain! In December 2019, I spent £250 on boxing day I bought clothes that I didn’t need and I never wore them.

For me, last year was the final straw when I had to pay off my credit card bill of over £200 that I wasted on clothes.

So keep reading as I share 3, yes only 3 really easy tips to help you stop impulse buying online.

Unsubscribe from emails

Ever heard of the saying out of sight out of mind? Well this couldn’t be more true for emails. Think about how many emails you get each week from different online stores, they are always there in your face tempting you to buy. I used to get hundreds of emails each week showcasing online brands sales and discounts and nine times out of ten I would buy from there.

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So the first thing I did was unsubscribe from these companies, it took a while to do (I had so many subscriptions) but it was worth it. I do not receive any emails from online stores which means it doesn’t tempt me each day. I never know what stores have what sales unless I search for them myself.

This will make a massive difference to you and your bank balance.

Delete Apps

Ever sat in front of the telly on an evening browsing through your phone and looking at shopping apps on your phone? How easy is it to add clothes to your basket and pay for it in seconds. It is only after that you realise how much money you have spent.

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Most clothing brands have an app that makes it even easier to buy clothes, they can send you notifications throughout the day which again reminds you of their offers.

So the easiest thing to do is delete them from your phone. Last month I deleted…..

  • Select
  • Pretty Little Thing
  • New look
  • H&M

Nearly every day I was flicking through these apps and making small purchases which were going on my credit card and causing me to get into even more debt!

Now they are gone I don’t think about it.

Wait 24 hours before buying

This tip has helped me so much! It is as simple as leave the items in your basket for at least 24 hours before buying. This will give you time to really think about this purchase. Most of the time you will forget about the items and not worry about them.

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If that’s the case I put the money I would have spent into my saving account or write it down. Then at the end of the month I can see how much money I have saved!

How I Stopped Impulse Buying | You Need A Budget

What do you think of my tips? Do you do the same or something different? Let me know in the comments.

Don’t forget to give me a follow over on my Instagram @budgetwithme1 to keep up to date with my journey

I share blog posts weekly!

How making 5 easy swaps can save you a lot of money

Are you struggling to save some extra money? Well keep reading because in this blog post I share 5 easy things that you can swap to save you some extra money. I have tried these swaps out myself and I can honestly say it has saved me loads of money!

Coffee Shop – Homemade coffee:

On your way to work do you buy a coffee? Or on your break do you pop to the shop to get a hot drink?

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Well it may only be on average £3 per coffee but if you work 5 days a week that is £15, and in a month that £60 being spent on just a coffee. That is an huge amount of money to waste on just coffee.

I used to buy a Costa coffee every morning on my way to work, but now I take a flask which has saved me an awful lot of money.

Taking an extra 10 minutes on a morning to make and pack a coffee has saved me £720 a year!

Meal deals – packed lunches:

This is similar to taking a coffee to work, I used to spend a lot of money on food for work. Sometimes I could spend £10 a day on meal deals from shops and other unhealthy snacks. Not only was this bad for my health but my bank balance was suffering as well.

Packed lunch ideas the whole family will love

I now meal prep once or twice a week depending on the shifts I am doing, this has saved me so much money. I can spend £20 on food which will last me well over a week as obosed to spending £10 a day!

Meal prepping has saved me on average £160 a month which works out to be £1,920 saved on food!

Gym – Home:

On average people spend £40 a month on a gym membership which £480 a year! Most of the time people do not visit the gym and waste this money each year.

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But you can workout from home to stay in shape. I used to visit the gym many years ago but it was too expensive for me.

On Youtube there are hundreds if not thousands of work out videos that you can do at home.

However, if you are someone who enjoys the Gym, and its your hobby then still go. Being on a budget doesn’t mean you cannot enjoy doing the things you like, just find ways to save money!

Hairdressers – Box dyes:

I am a natural blonde but I do need a helping hand, I used to spend on average £50 a month on getting my hair which is £600 a year!

How To Dye Your Own Hair At Home - Step by Step | Holland Barrett

When I started to budget I decided to go to box dyes, I know that some box dyes get a bad rep but for me the Garnier Baby Blonde hair dye (not sponsored) has been really good for my hair. Not only has it saved me money it has also made my hair be in the best condition.

I now spend £10 every two months on a box dye which has saved me a lot of money.

Branded clothes – Own brand/ charity shops:

I was never one for buying branded clothes but I did used to spend a lot of money on clothes from New look, Debenhams etc.

638 Branded Clothes Photos - Free & Royalty-Free Stock Photos from  Dreamstime

Now I buy from ASDA, Sainsburys, Tescos, Primark and even charity shops. My first year on a budget I didn’t buy any clothes which was great for saving, but I didn’t feel confident. My clothes didn’t fit properly and I felt awful.

Just because I am on a budget doesn’t mean I cant look nice, and it took me a while to realise this. I now shop at cheaper clothes stores or charity shops and it has been great.

11 ways to save money in 2019 – Which? News

There are many other things that you can swap out but these 5 easy swaps can make a difference if you are just starting out.

Being on a budget is all about trial and error, you will make mistakes but making your lunches at home, and working out from home will save you so much money.

What have you swapped to save money? Let me know in the comments!

Welcome back to my blog!

Hello and welcome back to my blog.

You may have found me from my Instagram page budgetwithme1 . On my Instagram page I share daily savings updates, money saving tips, meal prep tips and much more. So please check out my page.

I haven’t posted on here in a while and its because life has got in the way, however I’m back and I am determined to write a blog post at least once a week.

If you are new to my blog then hello to you! On this blog I am going to be sharing money saving tips that I have learnt over the last 2 years, and my savings journey.

On this post I will be talking about 2019 and how this was my year!

A bit of an update:

I feel I should give a little bit of an update as I haven’t posted since may last year! 2019 was an amazing year for me, my savings were increasing every month and I loved every minute. And towards the end of 2019 I was also in the Sunday Times Money Mentor to celebrate my saving success. (you can read my story by clicking on the link above)

What went well in 2019?

2019 had its ups and downs for me financially. I learn’t so much about myself and how I was wasting money every month. So lets start with the positives;

  1. I was able to save £5,588.92 towards my house deposit
  2. I created saving pots with Monzo
  3. I learn’t more about my spending habits
  4. I cut many bills (saving a lot of money!)

Saving £5,588.92 last year was an amazing achievement, it made me realise that i can save money if I put my mind to it and work hard. I saved this money but not eating out as much, planing in advance for days out, holidays etc and completing paid online surveys every week. On average I was making £80 a month answering questions on a variety of survey apps.

I also cancelled many of the unused subscriptions that I hadn’t used in so long this saved me £100’s! Which allowed me to save more money in the long run. My biggest expense was my PlayStation 4 online access which I never used, this was costing me on average £30 a month, for something I never used.

Over all 2019 was successful however there were some fails….

What didn’t go well in 2019?

In 2019 I saved £5,588.92 towards my house deposit and this was a huge success for me. My original goal was to save £10,000 towards a house deposit however things didn’t go to plan. From car repairs, to buying new glasses the beginning of 2019 was an expensive one that I was not prepared for.

The worst thing was I didn’t have any emergency funds set up in May 2019 which meant I had to use my savings for my house deposit to pay for a lot of expenses. This set me back by nearly £1,000 which was very disheartening, I would have lost motivation if it wasn’t for the amazing community that I have found on Instagram.

I also had some family issues which meant emotional spending on food, clothes and items that I didn’t really need. I remember spending £80 on clothes that i didn’t really need nor did I wear most of them!

Have I learn’t from my mistakes in 2019?

I have learn’t that I do need emergency funds, I need to save more money for lives unexpected expenses such as car repairs and new glasses! That way I wont have to touch my house deposit savings. Since May last year I have learn’t that I need to have more self control over my spending and really think about how much I am spending and if I really need the items I am buying.

Overall I have realised that even though I made many mistakes 2019 was also a fantastic year of learning. I learnt how to save for different social events throughout the year, how to save money for Christmas, and how to meal prep like a Queen!

Thank you so much for reading this blog, my next post will be all about my 2020 goals and how I am going to achive them.

Speak to you all soon.

Hannah xx