10 Things I Do Before Spending Any Money
Let’s be honest—spending money is way too easy. One tap on your phone, and boom, it’s gone. Over time, I’ve learned to slow down and think before I buy anything, whether it’s a $10 impulse buy or something bigger. Here are 10 simple things I always do before I spend any money:
1. I Ask Myself: Do I Actually Need This?
Sometimes I just want stuff out of boredom, stress, or because it looks cute. I stop and ask myself, “Do I really need this right now?” Most of the time, the answer is no.
2. I Wait a Day (Sometimes More)
If I don’t need it right this second, I wait. Even just sleeping on it helps me decide if it’s worth it or just a passing urge.
3. I Check My Budget
I take a quick look at my budget or bank app. If the money isn’t there or it would mess with my goals, I skip it.
4. I Compare Prices
I quickly check a few other sites or stores to see if I can get it cheaper somewhere else. No shame in saving a few bucks.
5. I Read a Few Reviews
For anything that’s not a total no-brainer (especially if it’s over $50), I look up what other people are saying. It’s saved me from buying a lot of junk.
6. I Think About How Much I’ll Use It
Will I actually use or wear this more than once? If not, it’s probably not worth it. I try to buy things I’ll get a lot of use out of.
7. I Think About What I’m Giving Up
If I spend $40 on this, that’s $40 I can’t put toward travel, savings, or something more important. That usually helps me pause.
8. I Look for a Discount
I’ll do a quick Google search for a promo code or use a browser extension like Honey. Sometimes I even leave it in my cart for a day—brands often email you a coupon to come back.
9. I Ask: Does This Fit My Goals?
Is this helping me get where I want to go financially or lifestyle-wise? If not, I usually walk away.
10. I Give It One Last Sleep
If I’m still unsure, I give it another night. If I still want it tomorrow, then maybe it’s actually worth it.
Final Thoughts
These steps aren’t about being super strict or never treating myself. They’re just about being more aware of how and why I spend money. And honestly? They’ve helped me save a lot, avoid regrets, and focus on what really matters.
If you’re trying to be more mindful with money, try one or two of these next time you’re tempted to buy something. You might be surprised how much you don’t miss the stuff you didn’t buy.