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Don’t sweat the sales

No matter how money savvy we consider ourselves, anyone can succumb to the temptation of a big sale or discount. Wise spending decisions aren’t always easy, so here’s some helpful advice.


To spend wisely, it is crucial to start by planning and setting a budget. Evaluate your financial situation and determine how much you can comfortably afford. Consider your current expenses, savings goals and any outstanding debts. Setting a budget will provide a clear framework for your spending decisions and help you avoid impulsive purchases.


Before heading out to the stores or browsing online, it is beneficial to create a shopping list. Identify the items you genuinely need or have been planning to purchase. By having a list, you can stay focused and avoid being swayed by attractive sales on items you do not need. Stick to your list, and prioritize necessary purchases over impulsive ones.


To ensure you are getting the best deal, take the time to research and compare prices. Utilize online platforms, price comparison websites or smartphone apps that let you see prices across different retailers. Take note of any upcoming sales events or promotional periods. By doing so, you can identify the best time and place to make your purchases, maximizing your savings.


While end-of-season sales might entice you with unbelievably low prices, remember that cheap items that are poorly made or do not meet your needs ultimately will be a waste of money. Instead, invest in high-quality products that will last longer and provide greater value.


Where shopping is concerned, it is always worth exploring alternative options. Look for secondhand or consignment stores that offer gently used items at a fraction of the cost. Additionally, consider borrowing or renting certain items rather than buying them outright, especially if you will only need them temporarily. These alternatives can significantly reduce your expenses while still fulfilling your needs.


Credit cards can be convenient for making purchases, but they also can lead to excessive debt if not used responsibly. While it may be tempting to take advantage of sales by charging items to your credit card, you should consider your ability to pay off the balance in a timely manner. Avoid accumulating high-interest debt that can jeopardize your financial wellbeing in the long run.

Spending wisely requires careful planning, budgeting and thoughtful decision making. By setting a budget, creating a shopping list, researching prices, prioritizing quality, considering alternative options and being mindful of credit card use, you can make the most of great sales while avoiding unnecessary financial strain. Remember, the key to wise spending lies in making informed choices that align with your financial goals and priorities.

Written by Janera Harvey

Janera Harvey is a money coach, certified credit counselor and owner of The Credit Journey LLC. Reach her at

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