Retail Self-Restraint: 7 Ways to Curb Overspending at the Mall

My husband and I used to go wander around the mall on Saturdays looking for things we “needed”. What ended up happening is that we would come home with bags and bags of things we absolutely did not need. While hitting the mall can be a fun way to spend a day, if you’re not careful, overspending can certainly be a risk (it happened to me all the time!). Avoiding the mall is one way to keep spending in check, but you can also practice self-control and enjoy your day without blowing your budget.

  • How to Not Blow Your Whole Paycheck During a Visit to the Mall 1 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    Click through for 7 simple rules to remember when you're at the mall...

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  • Stick to a List 2 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    If you are heading to the mall because there are things you need specifically, write a list beforehand as you would for the grocery store. Stick to the list and don't fall victim to impulse buys. 

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  • Leave the Plastic Behind 3 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    Don't bring credit cards that you don't need when you leave the house. Keep one on you for emergencies, but budget out the cash for the items you need to purchase on your list. Having access to your credit cards can lead you to fall into temptation. 

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  • Eat Before You Leave 4 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    The food court can be enticing, but it can also cause you to go over your budget. Before heading to the mall, eat well so you'll have the energy but be less tempted to splurge on expensive (and maybe unhealthy) fast food.

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  • Promise to Cool Off 5 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    If you find a deal or merchandise you simply must have, agree to give yourself a cooling off period before making a purchase. The cooling off period should be a day or two so that you can think through the purchases and really know if it is worth pursuing. Buying on impulse especially on big ticket items can lead to regret so promise to think about it first. If, after your cooling off period, you are still certain you want to proceed, then it may be a wise purchase decision.

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  • Head for Clearance First 6 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    Most stores offer clearance items but some are pretty discreet about it. For some retailers, clearance merchandise is stuffed in the back corner of the store while others are happy to plaster sales signs are all over the place. Be sure to look through the reduced merchandise for what you need before paying full price. 

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  • Comparison Shop 7 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    If there are things on your list that are available in different stores, comparison shop for price. You may find exactly what you need in several locations but for different prices. You should check out the sales fliers before heading to the mall to see what places have the best deals on what you need.

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  • Donâ��t Apply for Store Credit Cards 8 of 8
    How to Not Blow Your Whole Paycheck During a Visit to the Mall

    You may think you are getting a good deal by agreeing to sign up for a store's credit card, but you are likely getting in return a high interest rate on the purchases. Many stores will offer store credit cards with incentives such as taking 15% off your total purchase, but you could also put yourself at risk of hurting your credit score and being tempted to spend more on credit than you can afford.

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