Share, , Google Plus, Pinterest,

Print

Posted in:

Money Matters: When viral becomes financially fatal

The cost of overconsuming social media’s “must-haves”

Every season, a new product rises to fame on social media, whether it’s a body oil, soap, perfume or serum, and the response is instant. Women race to find it. Shelves are cleared, and what started as one recommendation becomes a collective mission.

While product discovery can be fun, we’re seeing a deeper pattern emerge: overconsumption wrapped in digital excitement.

THE RIPPLE EFFECTS OF IMPULSE PURCHASES

This isn’t about genuine need. More often, it’s about responding to buzz, participating in the hype or feeling that familiar nudge of, “I don’t want to miss out.” But here’s the problem: these impulsive purchases often come unplanned. And when you’re consistently spending on nonessentials, especially when they weren’t in your budget, it creates ripple effects. You may neglect a bill, overshoot your monthly spending goals or find yourself living from moment to moment financially. That’s not joy; that’s noise.

OVERCONSUMPTION DRESSED UP AS SELF-CARE

Overconsumption has a way of dressing itself up as self-care, especially when the product smells good, looks good or promises something quick and beautiful. But let’s be clear: Just because it’s trending doesn’t mean it’s timely for you. Especially with the holidays approaching and a new year around the corner, now is the time to protect your financial wellness and reset your rhythm.

So how do you stay grounded the next time something goes viral and everyone’s rushing to the store?

FIVE WAYS TO AVOID OVERCONSUMING THE NEXT VIRAL PRODUCT:

  1. Pause before you purchase. Whether you’re in the store or shopping online, give yourself 24 to 48 hours before buying. If it’s still on your mind and it fits your budget, revisit it. If not, you avoided an impulse.
  2. Ask yourself: Is this about the product or the feeling? Sometimes what you’re chasing isn’t the product; it’s the emotional boost of being included. But belonging doesn’t come from a bottle or a bag.
  3. Create a monthly “trend allowance.” Set a small budget aside each month for spontaneous finds. When that limit is reached, you pause until next month. This builds self-trust and establishes healthy boundaries.
  4. Don’t let viral become your value. If you’re buying it just because someone else said it’s a must-have, pause. Their preference doesn’t have to become your pressure.
  5. Protect your holiday and new year budget. Impulse purchases now can sabotage your peace later. Guard the bigger vision you have for the season ahead, emotionally and financially.

Your joy doesn’t live on a shelf, and your worth doesn’t increase with each new trending item you collect. You are not behind just because you didn’t get it first. You are not incomplete because you passed on what everyone else is raving about. So, the next time social media says, “Everybody’s buying it,” pause and remember: Your future is not a trend — and neither is your identity.

Share, , Google Plus, Pinterest,

Written by Janera Harvey

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

18 posts

Leave a Reply

Your email address will not be published. Required fields are marked *