We all get the fever from time to time and blow our budget. For some of us it is when we see an item we just fall in love with and have to have and for others (like myself) it happens when I have been budgeting for so long and doing so well and then I just have a day where I splurge! Kind of like a dieter at a Christmas party staring at all the goodies...
This is why it is necessary to have a plan to try to cut down the impulse shopping.
1. Have a Plan When Shopping - If you need to pick up some items at Target or the Mall, go in with a list and your budget. Do not allow yourself to pick up anything that is not on that list.
2. Sleep on it - If you see an item you just have to have, don't buy it that day. Go home and look at your budget and sleep on it. In most cases you will most likely decide that it isn't the right choice. If it is something that you decide you want, just adjust the budget to make it happen so there is no guilt.
3. Keep the Tags on - If you do get the fever and act on it, don't fret. Just keep the tags on it and keep the receipt and follow step #2. In most cases the purchase will not be final and you can return it if you made a poor decision.
The most important thing is not to allow an impulse buy to knock you completely off the Financial Freedom wagon.