A lot of Americans spend unnecessarily shopping. Research has even pointed out that an average American home throw food away each month. This can be curbed if we learn how to shop smart. Shopping smart greatly entails shopping the things we need as against what we do not need. Impulsive shopping is one of the greatest enemies to smart shopping. No matter what you want to purchase, it will pay you off greatly if you shop smart. There are simple tips you can apply to shop smart and a few are shortly outlined.
- Shop with a list
Before you finally hit the road to the shopping mall, it helps if you can take some time to make a list of what you want to purchase. This is a very important shopping tip as it goes a long way to save you extra bucks. You will not overspend if you have a carefully thought-out list that guides what you shop and what you do not shop. To make a good list, it is important you review what you have in your home and what you need. The list would be useless if you fail to use it while shopping. Thus, remember to use it and stick to it.
- Do not shop with credit/debit cards
Research has pointed out that we pay between 20 to 50 percent extra when we shop with credit or debit card. When we use card, it seems as though we are not spending any money when in the real sense we are spending more. More so, the credit or debit card fees also add up to increase the cost of the commodity we purchase. Therefore to shop smart, you should withdraw the money and pay with cash. This will also go a long way to help you minimize impulsive buying.
- Set a Budget
Setting a budget is where saving money all starts. If you fail to set a budget, you simply plan to overspend. Budget helps you to know how much you can afford to spend for the period of time and how much you should not spend. Thus, before you hit the road to the shopping mall, make sure that your budget is in place and stick to your budget. It is important not to exceed your budget no matter what happens. Setting a budget will also help you to reduce impulsive purchases.
- Do you really need the item?
Most times we tend to purchase things we do not need. You need to ask yourself some important questions before putting an item down in your list of purchases. Do you really need the item? What need will the item fill? How important is the item you plan to purchase? Do you have some other item that can also serve the same purpose? These are questions you should ponder on to help you ascertain whether to go on with the purchase or not. Shopping smartly will help you save a lot of money and these tips will help you a lot to achieve this.